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Federal Bank Celesta Credit Card credit card
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Federal Bank Celesta Credit Card

Federal Bank logo Federal Bank
8.5
CardTrail Score
Very Good
out of 10
💰 Net Value
6.2
🔓 Accessibility
6.9
⚡ Feature Depth
7.2
🏦 Bank Trust
7.0
How we score →
Compare This Card Full Details
Annual Fee
Free
Lifetime free
Forex Markup
2%
Reward Rate
1%
Up to 5%
Lounge Access
2
domestic | 2 intl

About This Card

Federal Bank Celesta is a hidden gem — zero forex, 8+4 lounges, and zero joining fee. It rivals IDFC FIRST Wealth in the zero-forex premium segment. Federal Bank's limited infrastructure is the only real concern.

Pros & Cons

Pros

  • Zero forex at ₹2,999/year
  • Zero joining fee
  • Good lounge access
  • 5X on dining/travel

Cons

  • Federal Bank has limited branch network
  • Reward ecosystem still developing
  • Less brand recognition
  • App experience is average

Fee Details

Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
Lifetime free
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
₹600 Amazon Pay e-gift voucher

Lounge Access

Domestic Lounges
2
per quarter
International Lounges
2
per quarter
Spend Gate Required
You must spend ₹60,000 per quarter to activate lounge access.

Key Highlights

  • + Zero forex markup
  • + 8+4 lounge visits/quarter
  • + 5X on dining and travel
  • + Zero joining fee

Compare With...

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Quick Summary

Best For
forex travel
Annual Fee Free
Base Reward 1%
Max Reward 5%
Forex Markup 2%
Network Visa Signature
Min Income ₹5L+
Compare This Card

CardTrail Score

8.5
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

forex travel value

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