- What is the annual fee on the Federal Bank Celesta?
- The joining fee is ₹0. The annual fee is ₹0. Lifetime free under a limited-period offer effective for customers onboarded from 3 April 2023 onward (no joining or annual fee charged). Federal Bank's own schedule of charges lists a base joining/annual fee of ₹3,000 for Celesta that would otherwise apply if this promotional waiver is withdrawn.
- What are the reward rates on the Federal Bank Celesta?
- Federal Bank Celesta earns 3x points on travel, 2x points on dining, 1x points on all other spends.
- Does the Federal Bank Celesta offer airport lounge access?
- Yes: 8 domestic lounge visits per year (2 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) and 2 international lounge visits per year (2 complimentary visits per year via the LoungeKey network, no spend condition; cardholders must identify as LoungeKey members at the lounge; visits beyond the complimentary quota (or for guests) are charged at approximately US$35 per person).
- Who is eligible for the Federal Bank Celesta?
- Applicants typically need a minimum monthly income of ₹25,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Federal Bank and can vary by application.
- Is the Federal Bank Celesta available on other networks?
- Yes, it's also issued on Mastercard. Fees, the 3-2-1 reward structure, welcome benefit, lounge access, fuel waiver, movie offer, and 2% forex markup all match the Visa Celesta on Federal Bank's own pages for each network. The one confirmed real difference is the Mastercard Shop Perks program (ongoing merchant cashback offers), which appears only on Federal Bank's Mastercard Celesta pages and has no Visa-variant equivalent; an aggregator-advertised 'Mastercard Wellness Pass' benefit could not be confirmed in official terms.