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Celesta Credit Card

Celesta Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Federal Bank Visa Premium

Annual Fee

₹3000

Base Rate

1.0%

Reward Type

Points

Overview

The Celesta Credit Card is a Premium credit card issued by Federal Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹3,000
Eligibility: Minimum 21 years of age with a good credit history. Available for both residents and NRIs.

Reward Rates & Cashback Rules

  • CATEGORY – Travel: 3.0% cashback
  • CATEGORY – International: 3.0% cashback
  • CATEGORY – Dining: 2.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: Amazon Pay e-voucher worth ₹600 on spending ₹10,000 within the first 30 days.
  • Domestic Lounge Access ✈️: 2 complimentary visits per quarter, conditional on spending ₹60,000 in the preceding quarter.
  • International Lounge Access 🌍: 2 complimentary visits per year.
  • Movie Offer 🎬: Buy One Get One free on INOX movie tickets, once per month (max discount ₹100).
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per month.
  • Dining Discounts 🍽️: Up to 15% discount at partner hotels under the FedDelights program.

Eligibility Criteria

Minimum 21 years of age with a good credit history. Available for both residents and NRIs.

Features & Benefits

🎁

Welcome Benefit

Amazon Pay e-voucher worth ₹600 on spending ₹10,000 within the first 30 days.

✈️

Domestic Lounge Access

2 complimentary visits per quarter, conditional on spending ₹60,000 in the preceding quarter.

🌍

International Lounge Access

2 complimentary visits per year.

🎬

Movie Offer

Buy One Get One free on INOX movie tickets, once per month (max discount ₹100).

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per month.

🍽️

Dining Discounts

Up to 15% discount at partner hotels under the FedDelights program.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Travel
Reward: 3.0%
3%
International
Reward: 3.0%
3%
Dining
Reward: 2.0%
2%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion

Value Chart

Assuming basic spends for Celesta Credit Card

Category Celesta Credit Card Axis Bank Atlas Credit Card Miles & More World Select Credit Card BOBCARD Eterna Credit Card
₹
Joining Fee 		₹3000 ₹0 ₹0 ₹0
₹
Annual Fee 		₹3000
Annual fee waived on spending ₹3,00,000 in a year. The card is often available as a lifetime free offer.
 ₹5000 ₹4500 ₹2499
🌍
Forex Markup 		2.0% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 2.0% 3.0% 3.0%
★
Known Rules 		6 rules 11 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Travel — 3.0% Points
  • + International — 3.0% Points
  • + Dining — 2.0% Points
  • + Welcome Benefit
  • + Domestic Lounge Access
  • + International Lounge Access
  • + Movie Offer
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹3000

Net Value

+₹0

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Each reward point earned on the Federal Bank Celesta Credit Card is valued at ₹0.25.

To receive 2 complimentary domestic lounge visits in a quarter, you must spend at least ₹60,000 in the previous quarter.

The standard annual fee is ₹3,000, which is waived if you spend ₹3,00,000 in a year. The card is also frequently offered as a lifetime free card with no annual fees.

You earn 3X points (3 points per ₹100) on Travel and International spends, and 2X points (2 points per ₹100) on Dining. All other categories earn a base rate of 1X points.

The foreign currency markup fee is 2% of the transaction amount, which is lower than the standard 3.5% on many other cards.

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