CardIQIndia
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.
22
#166 of 173 in credit
Federal Bank

Federal Celesta Credit Card

creditVisapremiumProvisional score

Elite bracket proposition furnishing prominent lounge networks and movie ticket combinations.

Score breakdown

Data completeness: 50% · Last verified: 06 Jul 2026

Reward value1/100 · weight 65%
≈ 0.05% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks21/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

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

Joining fee
—
Annual fee
₹3,000 + 18% GST
= ₹3,540 / year total
Waiver: Spend INR 3,00,000 in a year
Forex markup
2.5%

Lounge access

Domestic (per year)
0
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

CategoryTypeRateCapNotes
travelpoints0.75%(3 pts @ ₹0.25)—3X Reward Points on International spends and Domestic airlines

What's inside

Experience

  • INOX BOGO

    ₹6,000

    Buy One Get One Free on INOX tickets, up to ₹500/month

    Cap ₹6,000 / monthly.