INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official federalbank.co.in (Federal Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Federal Bank Ltd.Network: Visa Infinite / RuPay CrownTravel & Aviation CardsLast Verified: 2026-09-28

Federal Bank Celesta Credit Card

फेडरल बैंक सेलेस्टा क्रेडिट कार्ड

Flagship luxury card offering 8 domestic & 2 international lounge visits, INOX B1G1 tickets up to ₹250, golf rounds, and 2.0% forex markup.

Annual Fee₹3,000 + GST (Renewal: ₹3,000 + GST)

Reward Rate3X Reward Points on international spends. 2X Reward Points on travel and dining. 1 Reward Point per ₹100 on other retail transactions.

Airport Lounge2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass / DreamFolks.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions.

What Is This Card

Federal Bank Celesta Credit Card is the flagship luxury card issued by Federal Bank. Available on Visa Infinite and RuPay Crown networks, it offers 8 domestic and 2 international lounge accesses, INOX B1G1 movie tickets up to ₹250, golf rounds, and a preferential 2.00% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹3,000 + GST (Renewal: ₹3,000 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.

🎁Welcome Benefit

Amazon gift voucher or luxury hospitality voucher worth ₹3,000 upon payment of joining fee and first card transaction.

⚡Reward Points Structure

3X Reward Points on international spends. 2X Reward Points on travel and dining. 1 Reward Point per ₹100 on other retail transactions.

Redemption Value: 1 Reward Point = ₹0.25 against shopping vouchers or statement credit.

🛫Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass / DreamFolks.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹15 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.

🎯Milestone Spends & Grace Period

Milestones: Buy 1 Get 1 free movie ticket discount on INOX up to ₹250 (twice a month). Complimentary golf rounds and lessons (up to 2 per month). Low 2.00% forex markup.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee waiver requires ₹3 Lakhs annual spend. International lounge visits are limited to 2 per year. Base reward return is modest at 0.25% on general retail.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.49% monthly finance charges.

Finance Charges (Interest)3.49% per month (41.88% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,200 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹15,00,000.

Age Requirement21 to 65 Years

Minimum Income₹1,00,000/month (Salaried) / ₹15,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 760+ is standard.

SBI RelationshipNot mandatory. Federal Bank priority banking clients receive expedited underwriting.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit federalbank.co.in/celesta or open FedMobile app.

2Enter PAN and mobile number for soft eligibility check.

3Select Federal Bank Celesta Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Federal Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (federalbank.co.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Federal Bank Celesta Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,200 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Federal Bank Celesta Credit Card into EMI?

Yes, Federal Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Federal Bank Celesta Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Federal Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against shopping vouchers or statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on Federal Bank Celesta Credit Card and how does it work?

The interest-free period on Federal Bank Celesta Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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