Federal Bank Celesta credit card review: fees, rewards and eligibility
The Federal Bank Celesta has a recorded annual fee of ₹0 and a base earn of 1 Federal Reward Point per ₹100 on eligible spend. CardMasters checked its issuer terms on 2026-07-30. Affiliate commission never changes ranking; confirm final terms and approval with Federal Bank.
Federal Bank Celesta: short answer
The Federal Bank Celesta is in the mid tier of Federal Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 1 Federal Reward Point per ₹100 on eligible spend and a 2% forex markup. Rewards are not earned on fuel, rent, wallet load, government, financial institution. It suits balanced, lifetime free, occasional traveler spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-30. Confirm final terms with the issuer.
Reward structure
1 Federal Reward Point per ₹100 on eligible spend
- 3 points per ₹100 on travel & international spends — 3 Federal Reward Points per ₹100
- 2 points per ₹100 on dining — 2 Federal Reward Points per ₹100
- 1 points per ₹100 on insurance (250 points monthly cap) — Standard earn, capped at 250 points per card per calendar month
Eligibility and important limits
minimum age 21 Federal Bank publishes a minimum age of 21 for unsecured cards and assesses credit history, but does not publish card-specific income or numeric bureau-score cutoffs for Celesta. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, government, financial institution, quasi cash, cash advance.
Important limit: Cash redemption is worth ₹0.10 per point; catalogue redemptions can be worth up to ₹0.25 per point and incur at least a ₹99 redemption fee.
Frequently asked questions
What is the annual fee for the Federal Bank Celesta?
The Federal Bank Celesta currently has no annual fee in our record. No joining or annual membership fee for customers onboarded from 3 April 2023.
How do rewards work on the Federal Bank Celesta?
1 Federal Reward Point per ₹100 on eligible spend. Accelerated routes include 3 points per ₹100 on travel & international spends; 2 points per ₹100 on dining; 1 points per ₹100 on insurance (250 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Federal Bank Celesta?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, government, financial institution, quasi cash, cash advance. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Federal Bank Celesta?
It is most relevant for people focused on balanced, lifetime free, occasional traveler. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Federal Bank Celesta worth it?
With no recorded annual fee, the Federal Bank Celesta costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the Federal Bank Celesta?
The published minimum age is 21. Federal Bank publishes a minimum age of 21 for unsecured cards and assesses credit history, but does not publish card-specific income or numeric bureau-score cutoffs for Celesta. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Federal Bank Celesta?
The recorded foreign-currency markup is 2% before GST. On ₹1,00,000 of international spend that is about ₹2,000 in markup, so compare it against any rewards earned on overseas transactions.
Does the Federal Bank Celesta offer airport lounge access?
Domestic lounge access: 2/quarter (₹60K spend in prior quarter). International lounge access: 2/yr, no spend criteria. Spend conditions and guest charges are set by the issuer and can change.