Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#46 of 70 in debit

Federal Bank

Federal Celesta Crown Debit Card

debitMastercardsuper-premiumProvisional score

Dedicated highest-segment debit token giving broad protection layers and shopping leverage.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value8/100 · weight 65%

≈ 0.38% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks25/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: ₹500 + 18% GST
= ₹590 / year total
Forex markup: 2.5%

Lounge access

Domestic (per year): 4
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	points	0.75%(3 pts @ ₹0.25)	—	Accelerated federal rewardz mapping per Rs 200 cleared via online paths
all_spends	points	0.25%(1 pts @ ₹0.25)	—	Normal earning cycle runs for general terminal touches