Federal Bank
Federal Bank Celesta Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.25% base, up to 0.75% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup2%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹150 a month
- Cash withdrawal fee2.5% of the amount (minimum ₹500)
- Add-on card₹100
- Rent payments1% of the amount
01Federal Bank Celesta Credit Card Rewards and Benefits
02Federal Bank Celesta Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 2%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹150 a month
- Card replacement
- Not published
- Cash withdrawal fee
- 2.5% of the amount (minimum ₹500)
- Add-on card
- ₹100
- Rent payments
- 1% of the amount
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 0.75%₹38
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹912 a year₹76
- In your pocket each year₹1,974
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel: 0.75% back
- Foreign spends: 0.75% back
- Anyone who wants no annual fee, ever
- Flyers: 2 airport lounge visits a year
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on travel or foreign spends: the 0.75% rate applies only there, everything else earns 0.25%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Federal Bank Celesta Credit Card earns Rewards
0.25% base, up to 0.75% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | All merchants in the categoryTerms: 2x, 2 Reward Points per ₹100 on the dining category |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.75% | No cap | All merchants in the categoryTerms: 3x, 3 Reward Points per ₹100 on the travel category |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | ₹63 | All merchants in the categoryTerms: Insurance premiums earn the base rate but are capped at 250 Reward Points per card per calendar month, a limit Federal introduced on 15 July 2024. This is a cap, not an exclusion, insurance does still earn. |
| School and college fees | 0.25% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.75% | No cap | All merchants in the categoryTerms: 3x, 3 Reward Points per ₹100 on international spends, alongside the reduced 2% forex markup |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 Reward Point per ₹100 (1x base). Rent, fuel, government, e-wallet loading, cash, quasi-cash and financial institution spends earn nothing; insurance points are capped at 250 a month.
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Federal Bank Celesta Credit Card Travel Benefits
Spend Rs 60,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2% forex markup; rewards on it: 0.75% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations in India. Note that fuel spends earn no reward points at all, so the waiver is the only benefit fuel carries on this card.
- Airport lounge access: 2 international lounge visits a year with no spend condition, rare on a free card. Domestic access is spend-gated - spend ₹60,000+ in a quarter to unlock 2 visits the next quarter.
- Movie ticket offers: Buy-one-get-one on INOX movie tickets once a month, capped at ₹100 off per use, up to ₹1,200 a year if used every month.
06Federal Bank Celesta Credit Card Eligibility and Documents
- Age
- 21 years and above
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Federal Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 10 Jan 2026 | Changed: Finance charge repriced to an Average-Monthly-Balance-linked rateSource: Federal Bank | Flat slab APR by revolving balance | AMB-linked: 45% p.a. with no Federal AMB, down to lower tiers as balance rises |
| 3 Apr 2023 | Changed: Celesta becomes Lifetime Free for new applicantsSource: Federal Bank | ₹3,000 joining + ₹3,000 annual | ₹0, no joining fee, no annual fee |
| 3 Sept 2021 | Changed: Federal Bank launches the Visa Celesta credit card | - | - |
See this card's change history → · All card changes in January 2026 →
08Cards Similar to Federal Bank Celesta Credit Card
Federal Bank Celesta Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Federal Bank Celesta Credit Card |  AU Traverse Credit Card |  AU Xcite Ultra Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹4,999 + GST | ₹749 + GST |
| Annual fee | Lifetime free | ₹4,999 + GST | ₹749 + GST |
| Rewards | 0.25% base, up to 0.75% on foreign spends | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends |
| Domestic lounge | Not included | 8 visits a year | 8 visits a year |
| Forex markup | 2% | 0.99% | 3.49% |
| Type | International | International | International |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Federal Bank Celesta Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Federal Bank Celesta Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Federal Bank Celesta Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Federal Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
