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Federal Bank Celesta Credit Card
Federal Celesta offers 3X reward points on all online spends, complimentary lounge access, and comprehensive travel insurance. Good mid-tier card from Federal Bank with strong digital rewards.
Secure application on Federal Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for Federal Bank Celesta Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
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This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- Good reward structure for online shoppers
- Complimentary airport lounge access (2 per quarter)
- Low forex markup of 2% vs industry standard 3.5%
- Fuel surcharge waiver up to ₹500/month
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
Federal Bank Celesta Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹89,940 in the best category to earn rewards equal to the ₹1,499 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Good reward structure for online shoppers
- •Complimentary airport lounge access (2 per quarter)
- •Low forex markup of 2% vs industry standard 3.5%
- •Fuel surcharge waiver up to ₹500/month
Lifestyle
- •Dining Discounts
- •Movie Offers
Pros
- Good reward structure for online shoppers
- Complimentary airport lounge access (2 per quarter)
- Low forex markup of 2% vs industry standard 3.5%
- Fuel surcharge waiver up to ₹500/month
Cons
- Annual fee of ₹1,999 (waived on ₹2L annual spend)
- Limited international acceptance vs Visa/Mastercard variants
- Fewer partner brand offers compared to HDFC/ICICI
- Federal Bank has smaller branch network for support
Required Documents
Keep these documents ready before applying for Federal Bank Celesta Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | Nil |
Annual Fee From second year onwards | ₹1499 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the Federal Bank Celesta Credit Card today and start earning rewards on every spend.
● Secure application on Federal Bank's official site