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Visa Celesta

Federal Bank
|
Dining International Lifetime Free Travel

Annual Fee

FREE

Rewards/₹100 ⓘ

₹0.17 - ₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

32.28%

Credit Score

700+

At a Glance

Key Benefits

3x rewards on travel & international, 2x on dining, 2% forex markup, BOGO movies monthly

Lounge Access

2 international lounges/year, 2 domestic lounges/quarter (on Rs.60K spend/quarter)

Eligibility

Age: 18-70 years, Annual income: Rs.3L+, CIBIL: 700+

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
32.28% p.a. #32
Forex Markup
2.00% #38
Rewards/₹100
₹0.17 - ₹0.50 #238
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
2/year #41
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 200
Late Payment Fee ₹1,250
Over Limit Fee 2.50% (min ₹450)
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹200

Reward Structure

Base

All Spends

₹0.17 /₹100
Cat

Travel

₹0.50 /₹100
Cat

International

₹0.50 /₹100
Cat

Dining

₹0.33 /₹100

Reward Calculator

₹
Allocate by Category 100%
Travel
2.0 pts
40% ₹0
International
2.0 pts
25% ₹0
Dining
1.3 pts
20% ₹0
Other Spends
0.7 pts
15% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Amazon Pay e-Voucher worth Rs.600

Spend ₹10,000 within 30 days

₹600

value

Airport Lounge Access

International Free
2

visits per year

No spend criteria required

Domestic Free
2

visits per quarter

Spend Rs.60,000 or more in previous quarter

Insurance Coverage

Air Accident

₹6,00,00,000

Complimentary air accident cover (Celesta account holders)

Lost Card

₹50,000

Lost card liability protection

Lifestyle Perks

Movies

1 /month

BOGO on INOX movie tickets (once per month)

Dining

15.00% off

15% discount on dining via FedDelights program at partner hotels

Fuel

1.00% off

1% fuel surcharge waiver (up to Rs.150/month) on transactions between Rs.400-Rs.5,000

Quick Analysis

Federal Bank Visa Celesta is an excellent lifetime free card for travelers and international spenders. The 3x rewards on travel/international, 2% forex markup, and complimentary international lounge access make it ideal for frequent travelers without annual fees.

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, international transactions, dining, movies

Not Ideal For

Grocery shopping, utility bill payments

Frequently Asked Questions

Is Federal Bank Visa Celesta really lifetime free?
Yes, the Federal Bank Visa Celesta is a lifetime free credit card with zero joining and annual fees. This is a limited-period offer, so check the official website for current status.
What is the reward points structure?
3 reward points per Rs.150 on travel & international spends, 2 points per Rs.150 on dining, and 1 point per Rs.150 on all other spends. 1 reward point = Rs.0.25.
How do I get international lounge access?
You get 2 complimentary international lounge visits per year with no spend criteria required. Simply present your card at participating lounges.
How do I get domestic lounge access?
Spend Rs.60,000 or more in a quarter to enjoy 2 complimentary domestic lounge visits in the next quarter.
What are the welcome benefits?
Get an Amazon Pay e-Voucher worth Rs.600 on spending Rs.10,000 within the first 30 days of card activation.
How long are reward points valid?
Reward points are valid for 3 years from the date of accrual.
What is the minimum points required for redemption?
You need at least 250 reward points to redeem. A nominal convenience fee of Rs.99 will be charged per redemption request.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs.400 to Rs.5,000, with a maximum waiver of Rs.150 per month.
What is the forex markup fee?
The forex markup fee is very competitive at only 2% of the transaction amount for international transactions.
What movie benefits do I get?
BOGO (Buy One Get One) offer on INOX movie tickets, once per month. This is a great benefit for regular moviegoers.
What is the interest rate on this card?
The annual interest rate is 32.28% (2.69% per month). The rate may vary based on your banking relationship with Federal Bank.
Can I convert purchases to EMI?
Yes, the Visa Celesta comes with EMI conversion facility. You can apply for EMI conversion through customer service or net banking/mobile banking.

User Reviews

Our Rating

3.9
APPLY NOW

on Federal Bank's website

Rating Breakdown

Rewards
3.2/5 Top 64%
Benefits
4.0/5 Top 44%
Fees
5.0/5 Top 8%
Value for Money
4.1/5 Top 11%
User Reviews
3.0/5 Top 50%

Important Links

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