Federal Celesta Credit Card

Name: Federal Bank Federal Celesta Credit Card
Brand: Federal Bank
Rating: 2.83 (1 reviews)

Ranked #103 of 170 in credit

creditVisa/MastercardMid-Premium-Travel

Federal Bank's premium travel-focused lifetime-free credit card, the only one in the lineup offering complimentary international lounge access and a low 2% forex markup, with 3X rewards on travel/international spends.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%

≈ 0.29% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks65/100 · weight 9%

Fees

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

Joining fee: —
Annual fee: Lifetime free
Forex markup: 2%

Lounge access

Domestic (per year): 8
International (per year): 2

Reward structure

Category	Type	Rate	Cap	Notes
online_travel_booking	points	0.75%(3 pts @ ₹0.25)	—	3X reward points on travel and international spends
travel	points	0.75%(3 pts @ ₹0.25)	—	3X Reward Points on International spends and Domestic airlines
dining_offline	points	0.50%(2 pts @ ₹0.25)	—	2X reward points on dining
all_spends	points	0.25%(1 pts @ ₹0.25)	—	1X base rate other categories

Welcome offer

Amazon Pay e-gift voucher worth Rs600 (some sources cite Rs2,000) as welcome benefit

Milestone benefits

Pros

Only Federal Bank card with complimentary INTERNATIONAL lounge access (2/yr)
lowest forex markup in Federal lineup (2%) — genuinely competitive for occasional international spenders
3X on travel/international spends
premium golfing experience access
lifetime free

Cons

Fuel surcharge waiver limited to once per month only (narrower than Imperio/Signet)
welcome bonus amount conflicts across sources (Rs600 vs Rs2,000) — verify at application

What's inside

More benefits

INOX BOGO
₹6,000
Buy One Get One Free on INOX tickets, up to ₹500/month
Cap ₹6,000 / monthly.
FedDelights hotel discount
Up to 15% discount at partner hotels via FedDelights program
unlimited. Partner hotel bookings only
Golf access
Premium golfing experience benefit per bank marketing (exact courses/frequency not detailed in current sources)
unlimited. Verify exact terms at card MITC
BigBasket voucher milestone
₹500
Free BigBasket vouchers on Rs50,000 quarterly spend
Cap ₹2,000 / quarterly. Rs50,000 spend in a quarter

Insurance cover

text: ₹NaN

Eligibility

text: Age 18-70; Indian resident/NRI; good credit history; income ~Rs3L+ indicative

Small print

Fuel surcharge:1% fuel surcharge waiver, applicable once per month