Federal Bank

VISA

Celesta

Federal Bank Celesta

A lifetime-free (limited-period offer) travel card from Federal Bank with 3X travel rewards, domestic and international lounge access, and a 2% forex markup.

traveldiningfees-freelifestyle

Last reviewed 14 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: 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charges lists a base joining/annual fee of ₹3,000 for Celesta that would otherwise apply if this promotional waiver is withdrawn.

Eligibility

Min. monthly income: ₹25,000

Age: 21+ yrs

Employment: salaried, self employed

Rewards

travel3x points

dining2x points

all other1x points

Welcome benefits

• Amazon Pay e-Voucher worth ₹600 on spending ₹10,000 or more within the first 30 days of card issuance

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
✓International lounge access: 2/yr2 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
✓Fuel surcharge waiver: 1%
✓Forex markup: 2%
✓Reward points redeemable at the Federal Rewards Portal at 1 point = ₹0.25, subject to a minimum redemption of 250 points and a ₹99 + GST fee per redemption request
✓No reward points earned on fuel transactions
✓Cash advance limit of 25% of credit limit; cash advance fee is 2.5% of amount withdrawn or ₹500, whichever is higher
✓A Mastercard-network variant ('Mastercard Celesta') is also offered with publicly listed benefits and fees identical to the Visa variant

Common questions

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charges lists a base joining/annual fee of ₹3,000 for Celesta that would otherwise apply if this promotional waiver is withdrawn.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.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

TravelBest rate

₹

3x points

Dining

₹

2x points

Everything else

₹

1x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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Fees

Joining fee

₹0

Annual fee

₹0

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

✓International lounge access: 2/yr2 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

✓Fuel surcharge waiver: 1%

✓Forex markup: 2%

✓Reward points redeemable at the Federal Rewards Portal at 1 point = ₹0.25, subject to a minimum redemption of 250 points and a ₹99 + GST fee per redemption request

✓No reward points earned on fuel transactions

✓Cash advance limit of 25% of credit limit; cash advance fee is 2.5% of amount withdrawn or ₹500, whichever is higher

✓A Mastercard-network variant ('Mastercard Celesta') is also offered with publicly listed benefits and fees identical to the Visa variant

Common questions

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.

Federal Bank Celesta

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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