Federal Bank Celesta Credit Card
The premier flagship credit card in Federal Bank’s proprietary portfolio. Issued Lifetime Free to affluent professionals and wealth account holders, it features a subsidized 2.00% foreign exchange markup, 3X points on international and travel bookings, domestic and international airport lounge access, and quarterly complimentary golf games.
Why We Recommend The Federal Bank Celesta Credit Card
Federal Bank's premier flagship card, offering a 2% forex markup, golf access, and airport lounges without an annual fee.
Affluent executives and frequent vacationers wanting low forex fees and free airport lounges at zero annual cost.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Federal Bank Celesta Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Federal Bank Celesta Credit Card
Zero hidden costs. Complete fee schedule verified with FEDERAL Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Federal Bank Celesta Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
2 complimentary international lounge visits per calendar year via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Federal Bank Celesta Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 2.00% foreign exchange transaction markup fee.
Buy 1 Get 1 free movie ticket on INOX / BookMyShow once a month (up to ₹250 discount).
Complimentary golf games and golf lessons every calendar quarter.
Pros & Cons of the Federal Bank Celesta Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Completely Lifetime Free premium card with zero renewal charges.
- Subsidized 2% forex markup on overseas transactions.
- Includes both domestic airport lounges, international Priority Pass, and golf perks.
Things to Consider (Cons)
- Higher income eligibility criteria (salaried > ₹1 Lakh/month).
- Base reward rate on general domestic shopping is modest (0.25%).
- International Priority Pass quota is limited to 2 visits annually.
Who Can Apply for the Federal Bank Celesta Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
740+ Score Recommended
Applicants with a credit score of 740 or higher enjoy fast-tracked approval and preferential credit limits from FEDERAL Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Federal Bank Celesta Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Federal Bank Celesta Credit Card?
Check your pre-approved credit limit and instant approval eligibility across FEDERAL Bank with 100% paperless verification and zero score impact.