Federal Bank Visa Celesta Credit Card
- Joining Fee
- Nil
- Renewal Fee
- Nil
- Best Suitable For
- Movies | Travel
- Welcome Benefits
- Amazon Gift Vouchers Worth ₹600
- Forex Markup
- 2%
The Federal Bank’s Celesta Credit Card is offered in two different network variants, Visa and Mastercard. It offers exclusive benefits in several categories. The card was designed to meet the requirements of its audience and offers exciting welcome benefits, travel privileges, entertainment benefits, and more. With this card, you can earn up to 3 Reward Points on every ₹100 you spend. It also welcomes you with an Amazon gift voucher worth ₹600.
Regarding its travel benefits, cardholders receive complimentary domestic and international lounge access every year. To make movie experiences even better, the card offers a Buy 1 Get 1 free offer on movie tickets at Inox. The Federal Bank Visa Celesta Credit Card also gives its users access to a couple of international airport lounges a year.
Rewards and Benefits
- Rewards Rate
- 3X RP/₹100 on Travel and International Categories, 2X RP/₹100 on Dining Categories and 1X RP/₹100 on Other Categories
- Welcome Benefits
- Amazon Gift Vouchers Worth ₹600
- Reward Redemption
- The Reward Points can be Redeemed at Federal Rewards Portal at a Rate of 1 Reward Point = ₹0.25
- Movie & Dining
- Buy One Get One on INOX Movie Tickets, Once a Month
- Travel
- N/A
- Golf
- N/A
- Domestic Lounge
- 2 Times Per Quarter at Domestic Airports on Spends of ₹60,000 in the Previous Quarter
- International Lounge
- Twice a Year at International Airports
- Insurance Benefits
- N/A
Fees and Charges
- Joining Fee
- Nil
- Renewal Fee
- Nil
- Spend-Based Waiver
- N/A
- Rewards Redemption Fee
- ₹99 + GST on Every Redemption Request
- Forex Markup
- 2%
- Interest Rates
- 0.69% Monthly (8.28% Yearly)
- Fuel Surcharge Waiver
- 1% Fuel Surcharge Waiver
- Cash Advance Charges
- 2.5% of Amount Withdrawn or ₹500 Whichever is Higher
Product Details
- Get 3X Reward Points on travel and international categories
- 2X Reward Points on dining using your Federal Bank Visa Celesta Credit Card
- 1X Reward Points on all other categories
- Welcome gift of an Amazon voucher worth ₹600
- Buy 1 Get 1 Free offer on movie tickets on INOX once every month
- 2 complimentary domestic lounge access every quarter
- 2 complimentary international lounge access every year
Pros and Cons
Pros
- The card comes with a low forex markup fee of 2%
- The card is available on the Visa as well as the Mastercard network
Cons
- The card has an unsatisfactory reward rate as compared to other premium credit cards of its kind.
- The credit card does not offer any lifestyle offers or benefits other than BOGO on movie tickets.
Federal Bank Celesta Credit Card Features and Benefits
The Federal Bank Celesta Credit Card offers a welcome bonus and various lifestyle perks. Here is a list of features available to cardholders.
Welcome Benefits
This is a lifetime-free credit card with no joining or annual charges. However, as a welcome benefit, cardholders receive an Amazon gift voucher worth ₹600 when they spend ₹10,000 within the first 30 days after the card set-up date.
Movie & Dining Benefits
Avail of the Buy One Get One movie tickets once every month for INOX movie theatres.
Airport Lounge Access
Cardholders can access two complimentary domestic lounges every quarter, for a total of eight lounges a year, and two complimentary international airport lounges every year. This benefit is unlocked on spending of ₹60,000 in the previous quarter (only for domestic lounge access).
Earning Rewards With Federal Bank Celesta Credit Card
Federal Bank Celesta Credit Card allows you to earn rewards in the following categories:
- 3 Reward Points on every ₹100 you spend on travel and international spends.
- 2 Reward Points on every ₹100 you spend on dining.
- 1 Reward Point on every ₹100 you spend elsewhere.
Reward Redemption
The Reward Points you earn using your Federal Bank Celesta Credit Card can be redeemed at Federal Rewards. One reward point is worth ₹0.25. The reward points are valid for 3 years from the date of accrual.
Bottom Line
The Federal Bank Celesta Credit Card is best suited for people who value a luxurious lifestyle. It comes with all the exclusive benefits of a premium credit card. With this card, you can save on your international transactions, as it has a low forex markup fee of 2%. With all such exclusive advantages, there is no reason to think twice before applying for the card if it suits your needs. Moreover, if you still have any questions, make sure to write them down in the comment section below. We will be happy to help you!
Frequently Asked Questions
How many minimum points do I need for redemption?
In order to redeem your points, customers need to have at least 250 points.
How many complimentary International lounge visits do I have with this card?
The Federal Bank Visa Celesta Credit Card provides two complimentary international lounge access every year.
How can I avail of the welcome benefit that comes with the credit card?
With the Federal Bank Visa Celesta Credit Card, you get a welcome gift voucher worth ₹600 when you spend ₹10,000 or more within the first 30 days of the card issuance.
If I have the Visa variant of the card, can I switch to the Mastercard variant?
Yes, you may contact the bank if you would like to switch to a different card variant.
Reader Comments
12 comments · Join the discussion below
To access international lounges, do we need a priority pass or we can directly use the card to access the international lounge
This will work in departure lounges for international flights from India.
For lounges abroad only priority pass will work
I want to use the launch facility abrod. What is the procedure for priority pass?
is it offered in Jamnagar Gujarat?
Is this card real or fake? I completed my KYC and they dont have a single evidence that the profile even exists in their DB. Very disappointing.
This is a real credit card by Federal Bank.
Is it possible to access domestic/international lounges with add on card
The FedMobile app is not letting me in to activate the card. The account number seems to be mandatory to login to Fedmobile.
Has anyone faced this issue?
I tried the celesta card in Hyderabad lounge but was told it is not eligible
Always check the complete list of eligible options before going to the lounge.
When I first applied for this card, there was no restriction on lounge access based on previous quarter spendings—it was a great free card. Now with the quarterly restriction, it no longer meets my needs. I currently hold Infinia, but surprisingly it doesn’t provide access to Visakhapatnam airport. That’s why I had to take this card along with PNB Platinum. The PNB Platinum card is still fulfilling my requirements, so I plan to close the Federal card and switch to a free card that offers lounge access at Visakhapatnam airport. Please suggest a better option.
Axis Horizon is quite good for airport lounge access. That too without any spending requirements.