Federal Bank
Federal Bank Visa Celesta Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
2%
Welcome Benefits
Amazon Gift Vouchers Worth ₹600
Product Highlights
- Lifetime free credit card
- Welcome gift of an Amazon voucher worth ₹600
- 3X Reward Points on travel and international categories
- 2X Reward Points on dining
- 1X Reward Points on all other categories
Category Rewards
travel
3X on Travel + International
3X
Specialty
3X on Travel + International
3X
dining
2X on Dining
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
INOX
2X Reward Points on Dining
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3K
Federal Bank Reward Points
₹750
via statement credit · ₹0.25/pt
Effective rate
0.39%
Annual fee
FREE
Year 1 net
+₹1,350
incl. welcome
Year 2+ net
+₹750
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
2 domestic lounge visits in next quarter
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Wallet load surcharge
1%Charged on every wallet load
Utility payment surcharge
1%Charged on every utility bill payment
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 Reward Points on every ₹100 spent on travel and international categories, 2 Reward Points on every ₹100 spent on dining, and 1 Reward Point on every ₹100 spent on other categories.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 2 Times Per Quarter at Domestic Airports (Spends of ₹60,000 in the Previous Quarter) International: 2 complimentary international lounge access every year Access to domestic lounges based on previous quarter spending.
Pros & Cons
Pros
- Low forex markup fee of 2%
- Available on Visa and Mastercard network
Cons
- Unsatisfactory reward rate compared to other premium credit cards
- Limited lifestyle offers
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks