Federal Bank Visa Celesta Credit Card review
Federal Bank · Visa · points invite-only Partly verified Checked 31 Oct 2026
Verify before applying. We read 7 issuer documents for this card (Federal Bank Visa Celesta Credit Card official page; Federal Bank Key Fact Statement 07 Sep 2026), but some figures rest on 1 secondary source (CardAdvisor Federal Celesta) and are not confirmed in the bank's own terms. Check the issuer's current terms (MITC) first; every source is listed at the bottom with its check date.
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹0
- Fee waiver
- Not needed (no annual fee)
- Base return
- 0.25% base
- Point value
- ₹0.25 per point
- Domestic lounge
- 2 domestic visits in the next quarter on spend of ₹60,000+ in a quarter
- International lounge
- 2 international lounge visits per year, no spend criteria
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹519 | 0.3% |
| Metro salaried ₹60k a month | ₹2,160 | 0.3% |
| Family household ₹80k a month | ₹2,550 | 0.3% |
| Frequent flyer ₹1.5L a month | ₹7,800 | 0.4% |
| Online shopper ₹50k a month | ₹1,620 | 0.3% |
| Rent-heavy ₹90k a month | ₹1,830 | 0.2% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹519 (first card, light spender) to ₹7,800 (frequent flyer), equal to 0.2% to 0.4% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: Offered only to Federal Bank customers who meet a relationship test (for example an average balance of ₹10 lakh, or a net monthly salary credit of ₹2 lakh or more). Fees are nil for customers onboarded from 3 April 2023; Federal's MITC gives ₹3,000 for earlier customers and states no end date for the nil-fee terms. Earn is 3 points per ₹100 on travel and international spends, 2 on dining and 1 elsewhere, and Federal's MITC states that a point is worth ₹0.25 (₹0.10 if credited to the card as cash), so the base return is 0.25%. Redemption costs ₹99. Fuel, rent, wallet loads and cash earn nothing, insurance earns up to 250 points a month, and lounge access is two domestic visits a quarter on ₹60,000 of spend and two international visits a year.
From the card's terms: strengths
- No annual fee
- 2 domestic lounge visits a quarter
From the card's terms: limits
- Base return is only about 0.25% on other spends
- Availability: invite-only
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Flights & hotels, International (foreign currency) | 3 | ₹0.75 | No cap found | 3x on Travel and International (official page); base is 1 point per ₹100 on Celesta (official Federal reward structure table), so 3x = 3 points per ₹100. |
| Dining & food delivery | 2 | ₹0.5 | No cap found | 2x on Dining (official page); base 1 point per ₹100 (official), so 2 points per ₹100. |
| Fuel, Rent | 0 | ₹0 | No cap found | No points on fuel, rent, wallet loads and cash withdrawals (official Federal campaign T&C and aggregator). Fuel surcharge waiver 1% on ₹400-5,000, max ₹150 per month (official KFS). |
| Everything else, Amazon, Flipkart, Other online shopping, Groceries, Entertainment & OTT, Bills & utilities | 1 | ₹0.25 | No cap found | 1x = 1 point per ₹100 on Celesta (official Federal reward structure table, federal.bank.in/cc-10x-rp). |
Point value: ₹0.25 per Federal Reward Point, officially confirmed: Federal MITC (07-09-2026) clause 6(f): "Each Federal Reward Point is valued at ₹0.25." Clause 6(g): "Redemption of Reward Points towards 'Cash' to the Card Account will be computed at 10 paise per point" (so statement-credit redemption is worth only ₹0.10). Redemption fee: "₹99/- per redemption request (NIL for VALUEMAX variant)" (MITC schedule of other charges). 0.25 applies to catalogue/voucher redemption; from 15 Jul 2026 a minimum balance of 500 points is required to redeem (rewards site banner).
Excluded or reduced
- Fuel, rent, wallet load, cash withdrawals and government services earn no points
- Financial institutions (MCC 6012) and quasi-cash (6050/6051) earn no points
- Insurance capped at 250 points per month
Other benefits
- Welcome: Amazon Pay e-voucher worth ₹600 on ₹10,000 spend in first 30 days.
- 1% fuel surcharge waiver on ₹400-5,000, max ₹150 per month
- BOGO on INOX movie tickets once a month
- Forex markup 2% (official KFS)
- Time-limited: Amazon ₹1,500 voucher on ₹1.5 lakh spend, Aug-Oct 2026 campaign (targeted)
Eligibility
Official Celesta eligibility: AMB ₹10 lakh across SB/current accounts (Customer or Family ID), OR AMB ₹5 lakh plus TRV ₹50 lakh, OR TRV ₹100 lakh, OR net monthly salary credit ₹2 lakh or more (corporate salary accounts). Customers who stop meeting these are moved to a lower savings category.
Related guides
- How to read a credit card MITC
- Fuel surcharge waivers explained
- Airport lounge access on credit cards
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the Federal Bank Visa Celesta Credit Card?
No annual fee. Fees exclude 18% GST.
How do Federal Bank Visa Celesta Credit Card rewards work?
0.25% base, up to 0.75% on flights & hotels/international (foreign currency). ₹0.25 per Federal Reward Point, officially confirmed: Federal MITC (07-09-2026) clause 6(f): "Each Federal Reward Point is valued at ₹0.25." Clause 6(g): "Redemption of Reward Points towards 'Cash' to the Card Account will be computed at 10 paise per point" (so statement-credit redemption is worth only ₹0.10). Redemption fee: "₹99/- per redemption request (NIL for VALUEMAX variant)" (MITC schedule of other charges). 0.25 applies to catalogue/voucher redemption; from 15 Jul 2026 a minimum balance of 500 points is required to redeem (rewards site banner).
Does the Federal Bank Visa Celesta Credit Card give airport lounge access?
Domestic: 2 domestic visits in the next quarter on spend of ₹60,000+ in a quarter. International: 2 international lounge visits per year, no spend criteria.
Who is the Federal Bank Visa Celesta Credit Card best suited to?
Offered only to Federal Bank customers who meet a relationship test (for example an average balance of ₹10 lakh, or a net monthly salary credit of ₹2 lakh or more). Fees are nil for customers onboarded from 3 April 2023; Federal's MITC gives ₹3,000 for earlier customers and states no end date for the nil-fee terms. Earn is 3 points per ₹100 on travel and international spends, 2 on dining and 1 elsewhere, and Federal's MITC states that a point is worth ₹0.25 (₹0.10 if credited to the card as cash), so the base return is 0.25%. Redemption costs ₹99. Fuel, rent, wallet loads and cash earn nothing, insurance earns up to 250 points a month, and lounge access is two domestic visits a quarter on ₹60,000 of spend and two international visits a year. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹519 (first card, light spender) to ₹7,800 (frequent flyer), equal to 0.2% to 0.4% of spend across the profiles.
Sources
- Federal Bank Visa Celesta Credit Card official page official fetched 2026-10-29
- Federal Bank Key Fact Statement 07 Sep 2026 (official PDF) official fetched 2026-10-29
- Federal Celesta eligibility and features (official PDF) official fetched 2026-10-29
- Federal Celesta milestone campaign (official) official fetched 2026-10-29
- CardAdvisor Federal Celesta aggregator fetched 2026-10-29
- Federal Bank credit card 10X rewards page: official base reward structure (Signet 1/Rs200, Imperio 1/Rs150, Celesta 1/Rs100) official fetched 2026-10-30
- Federal Bank Credit Cards MITC dated 07-09-2026 (official PDF) official fetched 2026-10-30
- Federal Bank credit card schedule of charges (official PDF) official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with Federal Bank before you apply. Methodology.
