Federal Bank
Celesta Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Enjoy 2 Complimentary International Airport Lounge Visits
every year with no spend criteria, spend ₹60,000 in a quarter to enjoy 2 domestic lounge visits the next quarter
Enjoy a Buy One Get One BOGO offer on INOX Movie Tickets
once a month, a ₹600 Amazon Pay welcome e-voucher on ₹10,000 spend in 30 days, and a wide range of Visa shopping deals & offers
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free Visa credit card with a 3-2-1 rewards structure 3X on travel & international, 2X on dining, 1X on other spends
- ₹600 Amazon Pay welcome voucher on ₹10,000 spend in 30 days
- 2 international + up to 2 domestic airport lounge visits unlocked by spending ₹60,000 or more in the previous quarter
- Buy One Get One on INOX movie tickets monthly
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Merchandise
- E Gift Vouchers
- Bus Booking
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions - Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions - Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 1.99% to 3.75% per month 23.88% to 45% per annum based on your average monthly balance / banking relationship, apply on unpaid outstanding balances until the amount is fully repaid | 1.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption request | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% of the transaction amount applies on rental transactions | 1% |
cheque Payment Fees A fee of 2% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is levied when the credit card outstanding is paid in cash over the counter, not available to NRI customers | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹0 |
| ₹251 - ₹1000 | ₹250 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 -₹25000 | ₹1000 |
| Above ₹25001 | ₹1250 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 2 Complimentary International Airport Lounge Visits
every year with no spend criteria, spend ₹60,000 in a quarter to enjoy 2 domestic lounge visits the next quarter
Enjoy a Buy One Get One BOGO offer on INOX Movie Tickets
once a month, a ₹600 Amazon Pay welcome e-voucher on ₹10,000 spend in 30 days, and a wide range of Visa shopping deals & offers
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.