Card Image
Federal Bank Celesta
Annual Fee
₹1,500
Rewards/₹100 ⓘ
₹0.50 - ₹1.25
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
720+
At a Glance
Key Benefits
5X dining rewards, 3X travel, fuel surcharge waiver, lifestyle perks
Lounge Access
4 domestic lounge visits per year
Eligibility
Salaried: Rs 50,000+/month, Age: 21-60 years, CIBIL: 720+
Quick Details
Annual Fee
₹1,500
#206
Joining Fee
₹1,500
#207
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.50 - ₹1.25
#175
Reward Type Reward Points
Reward Currency Points
Min Credit Score
720+
#154
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹800
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹1,00,000/yr
Reward Structure
Base
All Spends
₹0.50 /₹100
Cat
Dining
₹1.25 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned650
Cash Value₹163
Breakdown
Dining250
Other Spends400
Total Value₹163
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The Federal Bank Federal Bank Celesta is a solid credit card option. With an annual fee of ₹1500, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for Federal Bank Celesta card?
The annual fee is Rs 1,500, which can be waived on spending Rs 1 lakh annually.
Does Federal Bank Celesta offer lounge access?
Yes, you get 4 complimentary domestic lounge visits per year.
What rewards does Celesta card offer?
You earn 5X rewards on dining, 3X on travel, and 2X on all other spends.
What is the eligibility for Federal Bank Celesta?
Minimum income of Rs 50,000/month, age 21-60, and CIBIL score of 720+.
Is there fuel surcharge waiver on Celesta card?
Yes, 1% fuel surcharge waiver on transactions between Rs 400-5000.
User Reviews
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