Federal Bank Celesta

Fees

Waiver: Lifetime free under Federal Bank's bank-wide promotional waiver, in effect for all Federal Bank credit cards (not Visa-specific) for customers onboarded from 3 April 2023 onward — no joining or annual fee charged. One fee-aggregator page (bankcliq) lists a different, likely-stale fallback mechanic for this card of a ₹3,000+GST joining/annual fee waived only on ₹30,000 spend in the first 3 months (joining fee, year 1) and ₹3,00,000 annual spend (annual fee); this conflicts with the lifetime-free framing used elsewhere and with the Visa variant's own documented ₹3,000 base fee that would apply if the lifetime-free promo were withdrawn, so treat the spend-based mechanic as an unconfirmed alternate reading rather than a confirmed second fee structure.

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 complimentary visits per quarter (8/year), unlocked only if card spend in the preceding quarter was ₹60,000 or more; no visits in a quarter that doesn't meet the spend threshold — matches the Visa variant's documented terms exactly.
• ✓International lounge access: 2/yr2 complimentary visits per year with no spend criteria, per Federal Bank's own Mastercard Celesta pages. The Visa variant's international access is administered via the LoungeKey network with an approximate US$35 per-person charge beyond the free quota; Federal Bank's Mastercard-specific pages don't separately name the redemption channel, so this is presumed (not confirmed) to run through the same bank-administered arrangement.
• ✓Fuel surcharge waiver: 1%Federal Bank's own Mastercard Celesta pages describe this as a flat 1% waiver at all fuel stations across India with no stated spend threshold. One aggregator (moneysync) instead describes it as conditioned on ₹75,000 in quarterly spend; this threshold is not corroborated by either official Federal Bank page, so treat it as unconfirmed.
• ✓Forex markup: 2%
• ✓Federal Bank Mastercard Shop Perks program: ongoing cashback offers across partner brands, advertised on Federal Bank's own Mastercard Celesta pages with no stated equivalent on the Visa variant's pages — this is the one clearly confirmed, network-specific differentiator between the two Celesta variants.
• ✓An aggregator (moneysync) advertises a 'Mastercard Wellness Pass' benefit unlocked at ₹75,000 in quarterly spend; a TechnoFino community discussion notes this benefit isn't documented in Federal Bank's official terms and conditions, so it should be treated as unconfirmed rather than a sourced feature.
• ✓Reward points redemption (Federal Rewards Portal, 1 point = ₹0.25, 250-point minimum redemption, ₹99 + GST fee per redemption request) and the fuel-transaction reward exclusion are documented for the Visa variant; Federal Bank's Mastercard Celesta pages don't restate these terms separately, but there's no indication they differ since rewards are a program-level (not network-level) rule.
• ✓Cash advance limit of 25% of credit limit; cash advance fee is 2.5% of amount withdrawn or ₹500, whichever is higher, per a Mastercard-specific fee aggregator page — not independently corroborated by Federal Bank's own site for this network variant.