Federal Bank Celesta Credit Card Review
The Federal Bank Celesta is Federal Bank’s premium credit card. It is currently offered lifetime free, earns accelerated points on travel, international and dining spends, and has a lower-than-usual 2% forex markup.
The bank describes the lifetime-free status as a limited-period offer (from 3 April 2023), so check the terms at the time you apply.
- No joining or annual fee under the current offer
- Low 2% forex markup
- 2 international lounge visits a year with no spend condition
- 3X points on travel and international spends
- INOX buy-one-get-one once a month
- Lifetime-free status is labelled a limited-period offer
- Domestic lounges need ₹60,000 spend in the previous quarter
- Minimum ₹99 fee per redemption
- Add-on cards cost ₹100 + GST each
- Federal Bank does not publish a fixed point value
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | Nil (limited-period offer from 3 Apr 2023) |
| Add-on cards | Up to 4, at ₹100 + GST each |
| Redemption fee | Minimum ₹99 per request |
| Card replacement | ₹200 + GST |
| Interest | 1.99% to 3.75% a month, depending on the balance in your Federal account |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% |
Rewards: how the card earns
| Spend | Reward multiplier |
|---|---|
| Travel and international | 3X |
| Dining | 2X |
| Other spends | 1X |
Federal Bank does not publish the base earn rate or rupee value on its product page; check the card’s rewards terms before relying on a specific return.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | ₹600 Amazon Pay e-voucher on ₹10,000 spend in the first 30 days |
| International lounges | 2 visits a year, no spend condition |
| Domestic lounges | 2 visits in the next quarter when you spend ₹60,000+ in a quarter |
| Movies | INOX buy-one-get-one, once a month |
| Fuel | 1% surcharge waiver |
Eligibility
Issuer
Federal Bank
Network
Visa and Mastercard
Age
21+ for the unsecured card
Residency
Resident Indians and NRIs
Documents
PAN, Aadhaar, 3 months’ bank statements or ITR
Who this card is for
- Good fit: travellers and international spenders who want low forex costs and lounge access without an annual fee.
- Skip if: you need guaranteed domestic lounge access without a spend condition.
Alternatives worth comparing
- Best zero-forex-markup cards
- Federal Bank Imperio
- Federal Bank Scapia — zero forex travel card
- Best lifetime-free cards
Final verdict
One of the strongest no-fee premium cards for travellers: 2% forex markup, international lounges and accelerated travel rewards. Apply while the lifetime-free offer runs, and remember the domestic lounge benefit needs ₹60,000 of quarterly spend.
Frequently asked questions
Is the Federal Celesta lifetime free?
Yes, under a limited-period offer from 3 April 2023. Customers onboarded earlier may have different fee terms.
What is the forex markup?
2%, lower than the 3.5% most cards charge.
How many lounge visits do I get?
2 international visits a year, and 2 domestic visits in the next quarter if you spend ₹60,000+ in a quarter.
What is the welcome benefit?
A ₹600 Amazon Pay e-voucher on spending ₹10,000 in the first 30 days.
Which networks is it on?
Visa and Mastercard.
Last verified: October 2026, against Federal Bank’s Celesta card pages. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.