CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Federal Bank

Federal Celesta Crown Debit Card

27
Ranked #40 of 66 in debit
debitVisa/MastercardUltra-Premium

Federal Bank's ultra-premium debit card for Celesta relationship customers, offering the bank's best combined domestic+international lounge access along with strong dining discounts and birthday bonuses.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value8/100 · weight 71%
≈ 0.38% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks48/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Waived if AMB Rs10,00,000+ maintained, OR total relationship value Rs2,00,000+/12 months maintained
Forex markup
3%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.75%(3 pts @ ₹0.25)—Accelerated federal rewardz mapping per Rs 200 cleared via online paths
all_spendspoints0.25%(1 pts @ ₹0.25)—Normal earning cycle runs for general terminal touches

Welcome offer

Up to 5,000 accelerated reward points on first eCommerce/POS transaction of Rs1,000+

Milestone benefits

Pros

  • Strong combined domestic+international lounge access
  • Safe Click (no-OTP) up to Rs2,000
  • tap-to-pay up to Rs5,000
  • 15% dining discount at 550+ restaurants
  • 5X birthday-month bonus

Cons

  • High AMB/relationship value requirement (Rs10L or Rs1Cr TRV) — not independently obtainable
  • annual fee applies if eligibility criteria lapses

Insurance cover

text
₹NaN

Eligibility

text
Requires Celesta Savings Account (AMB Rs10L OR Total Relationship Value Rs1 Crore)

Small print

Fuel surcharge:Not a highlighted benefit