Federal Bank Visa Celesta Credit Card
- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Movies, Travel
- Reward type
Reward Points
Rewards
- Rewards rate
3X RP/₹100 on Travel and International Categories, 2X RP/₹100 on Dining Categories and 1X RP/₹100 on Other Categories
- Welcome benefits
Amazon Gift Vouchers Worth ₹600
- Reward redemption
The Reward Points can be Redeemed at Federal Rewards Portal at a Rate of 1 Reward Point = ₹0.25
Benefits
- Movie & dining
Buy One Get One on INOX Movie Tickets, Once a Month
- Domestic lounge
2 Times Per Quarter at Domestic Airports on Spends of ₹60,000 in the Previous Quarter
- International lounge
Twice a Year at International Airports
Fees & charges
- Rewards redemption fee
₹99 + GST on Every Redemption Request
- Foreign currency markup
2%
- Interest rates
0.69% Monthly (8.28% Yearly)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver
- Cash advance charges
2.5% of Amount Withdrawn or ₹500 Whichever is Higher
Product highlights
- Get 3X Reward Points on travel and international categories
- 2X Reward Points on dining using your Federal Bank Visa Celesta Credit Card
- 1X Reward Points on all other categories
- Welcome gift of an Amazon voucher worth ₹600
- Buy 1 Get 1 Free offer on movie tickets on INOX once every month
- 2 complimentary domestic lounge access every quarter
- 2 complimentary international lounge access every year
Pros & cons
Pros
- The card comes with a low forex markup fee of 2%
- The card is available on the Visa as well as the Mastercard network
Cons
- The card has an unsatisfactory reward rate as compared to other premium credit cards of its kind.
- The credit card does not offer any lifestyle offers or benefits other than BOGO on movie tickets.
FAQs
How many minimum points do I need for redemption?
In order to redeem your points, customers need to have at least 250 points.
How many complimentary International lounge visits do I have with this card?
The Federal Bank Visa Celesta Credit Card provides two complimentary international lounge access every year.
How can I avail of the welcome benefit that comes with the credit card?
With the Federal Bank Visa Celesta Credit Card, you get a welcome gift voucher worth ₹600 when you spend ₹10,000 or more within the first 30 days of the card issuance.
If I have the Visa variant of the card, can I switch to the Mastercard variant?
Yes, you may contact the bank if you would like to switch to a different card variant.