Federal Bank Celesta Credit Card
Best for lifetime-free travel card with low forex. 3X points on travel and international; 2X on dining; 1X on others; Rs 99 redemption fee
Terms as of 2026-09-28 · Checked 30 September 2026Federal Bank Celesta Credit Card at a glance
Who it suits: Lifetime-free travel card with low forex
Rewards & cashback
| Details | |
|---|---|
| How you earn | 3X points on travel and international; 2X on dining; 1X on others; Rs 99 redemption fee |
| Welcome benefit | Rs 600 Amazon Pay voucher on Rs 10,000 spend in 30 days |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 2 international lounge visits/year; 2 domestic/quarter with Rs 60,000 previous-quarter spend |
| Fuel surcharge | 1% waiver |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Age 18-70 |
| Age | 18+ secured / 21+ unsecured (Celesta page: 18-70) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the Federal Bank Celesta Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
3X points on travel and international; 2X on dining; 1X on others; Rs 99 redemption fee
Does it give airport lounge access?
2 international lounge visits/year; 2 domestic/quarter with Rs 60,000 previous-quarter spend
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
Age 18-70. A CIBIL score of 750+ improves approval chances.
Is the Federal Bank Celesta Credit Card good for me?
Best for: Lifetime-free travel card with low forex. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Federal Bank’s website before applying. FinancePortal is not affiliated with the issuer.