Table of Contents
✨ Key Features of Federal Bank Celesta Credit Card
🎁 Welcome Benefits
- Receive an Amazon Pay e-voucher worth ₹600 upon spending ₹10,000 within the first 30 days of card issuance.
💳 Reward Points Structure
- 3X Reward Points on:
- International spends
- Travel-related expenses
- 2X Reward Points on:
- Dining expenditures
- 1X Reward Point on:
- All other categories
This tiered rewards system ensures that your spending in key categories yields maximum benefits.
✈️ Travel & Lounge Access
- International Lounge Access: 2 complimentary visits per year.
- Domestic Lounge Access: 4 complimentary visits per quarter.
Enjoy comfort and convenience during your travels with these exclusive lounge privileges.
⛽ Fuel Surcharge Waiver
- Benefit from a 1% waiver on fuel surcharge at all fuel stations across India.
🍽️ Dining & Lifestyle Benefits
- Avail up to 15% discount at partner hotels through the FedDelights program.
- Enjoy a Buy 1 Get 1 Free offer on INOX movie tickets once a month.
💰 Fees and Charges
| Type of Charge | Fee Details |
|---|---|
| Annual Fee | ₹3,000 (Waived on annual spends of ₹3 lakh) |
| Add-on Credit Card | ₹100 per card |
| Cash Advance Fee | 2.5% of amount withdrawn or ₹500 (whichever is higher) |
| Overlimit Charges | 2.5% of overlimit amount (minimum ₹500) |
| Late Payment Charges | Ranges from ₹100 to ₹1,000 based on the outstanding amount |
| Returned Cheque Charges | 2% of cheque amount (minimum ₹450) |
| Foreign Currency Mark-up Fee | 2% |
| Rewards Redemption Fee | ₹99 per redemption request |
| Card Re-issuance Fee | ₹200 |
Note: The annual fee is waived upon spending ₹3 lakh in a year.
📈 Interest Rates on Revolving Credit
| Average Monthly Balance (Last Quarter) | Annual Percentage Rate (APR) |
|---|---|
| Up to ₹50,000 | 41.88% (3.49% per month) |
| ₹50,001 to ₹3,00,000 | 30.00% (2.49% per month) |
| ₹3,00,001 to ₹10,00,000 | 18.00% (1.49% per month) |
| Above ₹10,00,000 | 5.88% (0.49% per month) |
These rates are dynamic and depend on your banking relationship and average monthly balance.
📝 Eligibility Criteria
- Age: 18 to 70 years
- Occupation: Salaried or Self-employed individuals
- Credit Score: Good credit history preferred
Applicants must meet the bank’s internal credit policy requirements.
📌 How to Apply
- Online: Visit the official Federal Bank website and fill out the application form.
- Offline: Visit the nearest Federal Bank branch with the required documents.
❓ Frequently Asked Questions (FAQs)
Q1: How many times can I avail the ‘Buy 1 Get 1 Free’ movie ticket offer?
A: The offer can be availed once per month on INOX movie tickets.
Q2: How many add-on credit cards can I get?
A: You can get up to 3 add-on credit cards.
Q3: What is the minimum repayment amount for the credit card?
A: The minimum repayment amount is 5% of the total amount due or ₹100, whichever is higher.
Q4: Is the Federal Bank Celesta Credit Card lifetime free?
A: No, it has an annual fee of ₹3,000, which is waived upon spending ₹3 lakh in a year.
Q5: What is the foreign currency mark-up fee?
A: The foreign currency mark-up fee is 2%.
📝 Conclusion
The Federal Bank Celesta Credit Card stands out as a comprehensive solution for individuals seeking a blend of luxury and practicality. With its rewarding structure, travel perks, and lifestyle benefits, it caters to a wide range of spending habits. Whether you’re a frequent traveler, a dining enthusiast, or someone who enjoys entertainment, this card offers value that aligns with your lifestyle.
Federal Bank Celesta Credit Card vs Other Credit Cards
| Feature | Federal Bank Celesta | Other Credit Cards |
|---|---|---|
| Welcome Benefits | ₹2000 Amazon Voucher | ₹500 – ₹1000 Vouchers |
| Annual Fees | ₹3000 (Waived at ₹3L spend) | ₹3000–₹5000, often no waiver |
| Lounge Access | 8 Domestic + 2 International/year | 4–6 Domestic, no Intl access |
| Reward Rate | 1 RP = ₹1, up to 3X rewards | 1 RP = ₹0.25 – ₹0.50 average |
| Foreign Markup Fee | 2% (Low) | 3.5% (Standard) |
| Fuel Surcharge Waiver | 1% waiver on ₹400–₹4000 | May vary, often ₹500–₹3000 |
| Insurance Benefits | Travel, Accidental, Air Loss | Limited or Optional Add-on |
| Network | Visa Signature | Visa / Mastercard (Varies) |
Federal Bank Celesta Credit Card
Eligibility Criteria
Related Articles:
- Axis Credit Card Tracking Status
- Guruji Student Credit Card Guide
- TATA Neu Credit Card Benefits
- CRED vs Cheq: Which App is Better
- Pay Rent with Credit Card
- Download Expense Tracker Template
- DBS Credit Card Payment Apply
- Bandhan Bank Credit Card
- Government Schemes for Students
- What is Insurance: Role, Types, Policy
- Investment Types & Benefits
- Transfer Money from Credit Card to Bank Account
- BOB Credit Card Payment
- PNB Bank Credit Card Payment
- What is a Credit Card?
- Close Axis Bank Credit Card
- Bank of Baroda Premier Credit Card
Federal Bank Celesta Credit Card
Application Process
Click the button below to go to the official Celesta Credit Card application portal.
Apply Now
Enter your full name, date of birth, contact number, and email address as per your ID proof.
Choose your occupation type (salaried/self-employed) and provide income details for eligibility.
Upload scanned copies of PAN Card, Aadhaar Card, and income proof (salary slips or ITR).
Cross-check all entered details and documents before clicking the submit button.
The bank will review your application and documents. If approved, the card will be dispatched within a few working days.
Need help? Visit your nearest Federal Bank branch for offline assistance.