Federal Bank Celesta Credit Card Review
The Federal Bank Celesta is a surprisingly generous lifetime-free card — a travel-leaning 3-2-1 reward structure, free international lounge access with no spend condition, and a low 2% forex markup. Here is the verified review.
- Lifetime-free
- 3X on travel & international spends
- 2 international lounge visits/year — no spend criteria
- Low 2% forex markup
- ₹600 Amazon welcome voucher; INOX movie BOGO
- Domestic lounge gated by ₹60k quarterly spend
- 1X base on non-bonus categories
- Reward value depends on redemption
- Movie BOGO once a month
- Reward caps may apply
Rewards & benefits
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Travel & international | 3X reward points |
| Dining | 2X reward points |
| Other spends | 1X |
| Lounge | 2 international/year (no spend) + 2 domestic/quarter (₹60k) |
| Forex markup | 2% |
Eligibility & documents
Fee
Lifetime-free
Forex
2% markup
Network
Visa / Mastercard
Best for
Travellers wanting a free card with intl lounges
Recommended CIBIL
~730+
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: travellers who want free international lounge access and low forex at no annual cost.
- Skip if: you want a high flat-rate everyday card.
How to apply & how to cancel
Apply: via federalbank.co.in. Cancel: call Federal Bank after clearing dues; redeem points first.
Final verdict
The Federal Bank Celesta is one of the more generous lifetime-free cards — free international lounges with no spend condition, 3X on travel/international and a low 2% forex make it a genuine no-fee travel companion. The 1X base off bonus categories is the main limitation; pair it with a flat-rate card.
Frequently asked questions
Is it free?
Yes — the Federal Bank Celesta is a lifetime-free card.
How does the 3-2-1 work?
3X on travel and international, 2X on dining, 1X on other spends.
What lounge access does it offer?
2 international lounge visits a year with no spend criteria, plus 2 domestic visits a quarter on ₹60,000 quarterly spend.
What’s the forex markup?
A low 2% — good for a no-fee card.
Data current as of June 2026, cross-checked against Federal Bank and aggregators. Confirm current terms on federalbank.co.in before applying.