फेडरल बैंक सेलेस्टा क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Federal Bank Ltd.
Flagship luxury card offering 8 domestic & 2 international lounge visits, INOX B1G1 tickets up to ₹250, golf rounds, and 2.0% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Amazon gift voucher or luxury hospitality voucher worth ₹3,000 upon payment of joining fee and first card transaction.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹1,00,000/month (Salaried) / ₹15,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit federalbank.co.in/celesta or open FedMobile app. Step 2: Enter PAN and mobile number for soft eligibility check. Step 3: Select Federal Bank Celesta Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.