Federal Bank
Federal Bank Visa Celesta Credit Card
visaclassiccreditmoviestravel
Annual Fee
FREE
Base Reward
1% points
Foreign Markup
2%
4.6/5
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 Reward Points
3X Reward Points
dining
2X Reward Points
2X Reward Points
other
1X Reward Points
1X Reward Points
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
INOX
offline
2X Reward Points on Dining
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.
Reward Points — Redemption Value
- 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
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Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup2%
Interest Rate0.69% per month
Cash Advance2.5% of Amount Withdrawn or ₹500 Whichever is Higher
Redemption Fee₹99 + GST on Every Redemption Request
Eligibility
Networks
visamastercard