Showing 3 cards
Best for: Travel, international transactions, dining, movies
Mastercard Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
32.28%
#32 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
- Exclusive Mastercard cashback offers
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Travel, international transactions, dining, movies
Visa Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
32.28%
#32 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Travel, dining, international transactions
Visa Imperio
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
8.28%
#2 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 domestic lounge visits per quarter
- Rs.400 Amazon voucher on Rs.5K spend in 30 days
- Rs.300 BigBasket voucher on Rs.50K quarterly spend
- 1% fuel surcharge waiver (up to Rs.100/month)
- BOGO movie tickets on INOX (once per quarter)
- Very low APR starting from 0.69% per month
- 15% dining discount via FedDelights program
Cons
- Very low base reward rate (0.17% on general spends)
- Annual fee waiver requires Rs.1.5L spend/year
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access vs premium cards
- Reward points valid for only 1 year
- Quarterly spend threshold for lounge access
- No international lounge access
- Lower point value vs competitors