The Federal Bank Celesta Credit Card is a Visa credit card issued by Federal Bank. The primary purpose of the card is to help cardholders earn great benefits on lifestyle, entertainment, travel, and retail indulgences. The card targets high-net-worth consumers and hence offers exclusive benefits across multiple categories. The Celesta credit card promises financial flexibility and a smart way to avail of exciting rewards.
With no joining fees, this card offers users a welcome gift by offering them an Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 in the first 30 days. Cardholders will also enjoy 3x rewards on spending for travel and international categories, 2x rewards on spending for dining categories, and 1x reward on spending for other categories under the 3-2-1 rewards structure. Other rewards include a 1% fuel surcharge waiver, BOGO offers on INOX movie tickets, complimentary domestic & international airport lounge access & more.
Key Highlights of Federal Bank Celesta Credit Card
| Key Highlights | Joining Fee | Nil |
| Annual Fee/Renewal Fee | Nil | |
| Best Suited For | Travel & lifestyle | |
| Welcome Benefits | Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 | |
| Complimentary Airport Lounge Access | 4 domestic & 2 international airport lounge access | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | |
| Special Feature | 3-2-1 rewards structure |
- Federal Bank Celesta is a lifetime free credit card with no joining or renewal fee.
- The card offers various brand benefits for enhanced shopping experience.
- It has a 3-2-1 structured reward program, – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.
- Foreign currency mark up fee is low compared to industry peers.
- Interest charged is flexible and low compared to peers.
- 4 times per quarter domestic lounge access offered is a highlight among similar available cards.
- No fancy memberships on offer with this credit card.
- Brand rewards are specific.
As a lifetime free credit card, Federal Celesta can be an amazing addition as a second card for frequent shoppers. The card offers numerous rewards, lounge accesses, and free movie tickets.
Features and Benefits of Federal Bank Celesta Credit Card
| Benefits | Details |
|---|---|
| Welcome Benefits | Get an Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 in the first 30 days as a welcome gift |
| Reward Benefits | 3-2-1 rewards structure: Enjoy 3X rewards on spends for travel and international categories 2X rewards on spending for dining categories 1X reward on spends for other categories |
| Complimentary Airport Lounge Access | Get 4 Complimentary domestic airport lounge access per quarter & 2 Complimentary international airport lounge access per year |
| Entertainments Benefits | Enjoy BOGO Offers (Buy One Get One) on INOX movie tickets, once a month |
| Fuel Surcharge Waiver | Get 1% fuel surcharge waiver at all fuel outlets across India |
| Dining Benefits | Via the FedDelights program, one can enjoy up to 15% discount at partner hotels |
Fees & charges
| Types of Charges | Detail |
|---|---|
| Joining Fee | Nil |
| Annual Fee/Renewal Fee | Nil |
| Finance Charges | The finance charge for the Federal Bank Visa Celesta Credit Card is based on the statement balance |
| Add-on Fee | Max 4 Cards (₹100 per card) |
| Cash Advance Fee | 2.5% of amount withdrawn or ₹500 whichever is higher |
| Late Payment Charges | For outstanding balance- Charge Balance between Nil– Up to ₹ 250 ₹ 250– b/w ₹ 251 – ₹ 1,000 ₹ 500– b/w ₹ 1,001 – ₹ 5,000 ₹ 1,000– b/w ₹ 5,001 – ₹ 25,000 ₹ 1,250– Above ₹ 25,000 |
| Interest Free Period | Up to 48 days |
| Fuel Surcharge Waiver | 1% fuel surcharge waived off on spends between ₹400 – ₹ 5000 on all fuel outlets in India |
| Fee for Cash Payment | ₹ 100 |
| Foreign Currency Mark-up Fee | 2% of the transaction amount |
| Reward Redemption Fee | ₹ 99 |
| Overlimit Charges | 2.5% of over-limit amount, subject to min of ₹ 500 |
| Cheque Returns or Dishonor or Auto-Debit Reversal | 2% of the transaction amount subject to min of ₹ 450 |
| Rent Payments Fee | 1% of the transaction amount |
| Wallet Loading Charges | 1% of the transaction amount |
| Reissue of Lost, Stolen or Damaged Card | ₹ 200 |
| Outstation Cheque Processing Charge | ₹ 25 will be charged if cheque value is up to ₹ 5,000 ₹ 50 will be charged if cheque value is above ₹ 5,000 |
Eligibility criteria for Federal Bank Celesta Credit Card
| Eligibility criteria | Details |
|---|---|
| Age | Be at least 18 years old |
| Occupation | salaried & self-employed |
| Income | Meet the income criteria for the card |
| Credit score | Have a good credit history with a handsome credit score |
Required documents
To apply for the Federal Bank Celesta Credit Card, you need to submit the following documents:
Proof of Identity: PAN, Aadhaar Card, Passport, Driving License, or Any Other Government-Approved ID
Proof of Address: Aadhaar Card, Passport, Driving License, Utility Bill, Rent Agreement, or Property Documents
Proof of Income: Bank Statement, Salary Slip, Latest Form 16
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Customer care service
Contact Center is your single point contact with the bank.
Dial 1800 – 425 – 1199 or 1800 – 420 – 1199 (toll free numbers)
You can also contact us via Email:
For General Queries:contact@federalbank.co.in
For Queries related to FedNet Internet Banking: fednetinfo@federalbank.co.in
FAQs
Is the Federal Bank Celesta Credit Card free for lifetime?
Yes, the Federal Bank Celesta Credit Card is a lifetime-free credit card.
What is the welcome benefit of this card?
Get an Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 in the first 30 days as a welcome gift.
What is the foreign mark-up fee charged on this credit card?
The bank charges a foreign mark-up fee of 2% of the transaction amount on your foreign currency transactions.
How many add-on credit cards can one get?
One can get a maximum of 4 Cards (₹100 per card) for his add-on members.
What are the travel facilities available on the Federal Bank Celesta Credit Card?
One can enjoy four complimentary domestic airport lounge access per quarter and twice a year at international airports, along with a 1% fuel surcharge waiver at all fuel stations in India.
What is the minimum age requirement for Federal Bank Celesta Credit Card?
Be at least 18 years old when applying for this card.
What is the finance charge arrangement on this card?
The finance charge for the Federal Bank Celesta Credit Card is based on your statement balance.
