Federal Bank VISA Celesta Credit Card: Your Travel Partner

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

15 Apr 26
3 mins

Shreyansh Singh

08 Mins
15-04-26

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Table of Contents

Federal Bank Celesta Credit Card Benefits
Federal Bank Visa Celesta Credit Card Charges

Earn 3X rewards on travel and international spending.
Earn 2X rewards on dining category purchases.
Get a ₹600 Amazon voucher on spending ₹10,000.
Enjoy 2 international lounge visits every year.
Foreign transaction markup fee fixed at 2%.

The Federal Bank VISA Celesta Credit Card is a lifetime free card designed for rewards and travel benefits.

It offers a simple 3-2-1 reward structure, with 3X rewards on travel and international spends, 2X on dining, and 1X on other purchases.

The card also comes with a low foreign transaction mark-up fee of 2%, which makes it suitable for frequent travellers.

Federal Bank Celesta Credit Card Benefits

Start your journey with a welcome benefit of an Amazon Pay e-voucher worth ₹600 on spending ₹10,000 within the first 30 days. This adds instant value to your early card usage.

Wondering what other features of the Federal Bank VISA Celesta Credit Card make it so worthwhile?

Movie Offer: Enjoy BOGO on INOX tickets every month and get ₹100 off on the second ticket for added savings.
Lounge Access: The Federal Bank Celesta Credit Card airport lounge access program includes:

2 international visits yearly without any spending criteria.
2 domestic visits in the next quarter upon spending ₹60,000 in the current quarter.

Fuel Waiver: Get 1% fuel surcharge waiver on spends between ₹400 and ₹5,000, with a maximum benefit of ₹150 per month.
VISA Offers: Access exclusive Visa deals across travel, dining, shopping, entertainment, and lifestyle for added value on your spends.

Federal Bank Visa Celesta Credit Card Charges

The Federal Bank Visa Celesta Credit Card annual fee and joining fee of ₹3,000 are currently waived under a limited offer since April 2023.

When applicable, you can waive the joining fee by spending ₹30,000 in the first 3 months and avoid the annual fee by spending ₹3,00,000 in a year.

Below are the other charges you should know:

Parameters	Charges
Cash Advance Fee	2.5% or ₹500 (whichever is higher)
Fee for Cash Payment	₹100
Overlimit Charges	2.5% or min. ₹500
Cheque Dishonour Charges	2% or min. ₹450
Rewards Redemption Fee	₹99
Card Replacement Charges	₹200
Late Payment Charges	Till ₹250: NIL₹251 - ₹1,000: ₹250₹1,001 - ₹5,000: ₹500₹5,001 - ₹25,000: ₹1,000Above ₹25,000: ₹1,250

💡Ensure that late payment charges never pile up on you. Download the Pice App and get monthly credit card bill payment reminders. You can even pay your card bills through our secure and GST-compliant platform and track their status!

Footnotes

You can also get your Federal Bank Celesta Credit Card on the RuPay and Mastercard networks.
Each reward point is worth ₹0.25 and remains valid for 36 months. Partner points are valid for 12 months.
The cash advance limit of the Federal Bank Celesta Credit Card is 25% of your total credit limit.

FAQs

What are the Federal Bank VISA Celesta Credit Card requirements?

Applicants must be at least 21 years old for unsecured cards or 18 for secured cards. You should be an Indian resident or NRI with a good credit history.