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Features of the Federal Bank Visa Celesta Credit Card

  • Reward Points Structure: The Federal Bank Visa Celesta Credit Card offers a robust 3-2-1 rewards structure, designed to maximize returns on specific spending categories. Cardholders earn 3x reward points for every INR 100 spent on travel and international transactions, 2x reward points on dining spends, and 1x reward point on all other categories. Each reward point is valued at INR 0.25, translating to a cashback rate of 0.75% for travel and international spends, 0.50% for dining, and 0.25% for other categories. This tiered structure incentivizes spending in high-value categories like travel and dining, which are often priorities for premium cardholders.
  • Reward Point Redemption and Flexibility: The reward points are versatile and can be redeemed for a variety of options, including travel bookings, gift vouchers, merchandise, and statement credits. The redemption process is seamless, accessible through the Federal Bank Rewards portal, where cardholders can log in using their mobile number and select their preferred redemption option. A minimum of 250 points is required for redemption, ensuring accessibility even for moderate spenders. This feature appeals to users who value flexibility in how they utilize their rewards.
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    • Complimentary Airport Lounge Access: One of the standout features of the Celesta Credit Card is its complimentary airport lounge access. Cardholders receive 2 complimentary international lounge visits per year and 4 complimentary domestic lounge visits per quarter, totaling up to 16 domestic visits annually. This benefit is facilitated through the LoungeKey program, which provides access to over 700 lounges worldwide. Unlike some competitor cards, this lounge access is not tied to minimum spending requirements, making it a valuable perk for all cardholders.
    • Buy One, Get One (BOGO) Movie Ticket Offer: The card includes a Buy One Get One (BOGO) offer on INOX movie tickets, available once a month with a maximum discount of INR 100 on the second ticket. This feature caters to entertainment enthusiasts, allowing them to enjoy movie outings at a reduced cost. The offer can be availed through platforms like BookMyShow or directly at INOX theaters, subject to terms and conditions. This perk adds a fun, lifestyle-oriented dimension to the card, making it attractive for users who enjoy frequent cinema visits.
    • Fuel Surcharge Waiver: The Federal Bank Visa Celesta Credit Card offers a 1% fuel surcharge waiver on transactions between INR 400 and INR 5,000 at any fuel station in India, with a maximum waiver of INR 150 per month. This feature is designed to provide savings on fuel expenses, which are a significant part of many cardholders’ budgets. The waiver applies automatically at the point of sale, making it a hassle-free benefit for users who frequently drive or travel by road.
    • Contactless Payment Technology: The card is equipped with contactless payment technology, allowing cardholders to make quick and secure transactions by simply tapping the card on a contactless-enabled POS terminal. For transactions up to INR 5,000, no PIN is required, enhancing convenience for small, everyday purchases. This feature aligns with modern payment trends, offering speed and security while reducing physical contact at merchant outlets.
    • Low Forex Markup Fee: For international transactions, the card charges a 2% forex markup fee, which is competitive compared to many other premium credit cards that charge 3.5% or higher. This feature makes the Celesta Credit Card an excellent choice for frequent international travelers or those who shop online from overseas merchants. The lower fee reduces the cost of foreign currency transactions, adding value for globetrotters.
    • Lifetime Free Card: The Federal Bank Visa Celesta Credit Card is a lifetime free card, meaning it has no joining or annual fees. This feature is a significant advantage for cost-conscious users, as it eliminates the recurring costs typically associated with premium credit cards. Additionally, the card offers an annual fee waiver on spending INR 3 lakh in a year, further enhancing its value proposition for high spenders.
    • EMI Conversion Options: The card provides easy EMI conversion options for eligible transactions, with tenures of 3 or 6 months at a low interest rate of 0.83% per month (9.99% per annum). There are no processing fees or documentation requirements for EMI conversions, making it a convenient option for managing large purchases. The minimum transaction amount for EMI conversion is INR 2,500, with a maximum limit of INR 7,50,000, subject to the available credit limit.
    • Secured Credit Card Option: For those who may not qualify for an unsecured credit card, the Federal Bank offers a secured Celesta Credit Card against a fixed deposit. Cardholders can avail up to 80% of the fixed deposit amount (capped at INR 10 lakh) as the credit limit, with a minimum fixed deposit of INR 25,000 and a tenure of at least 6 months. This feature makes the card accessible to a broader audience, including those with limited credit history.
    • Visa Offers and Deals: As a Visa-branded card, the Celesta Credit Card provides access to a wide range of Visa offers and deals across categories like travel, dining, shopping, entertainment, and lifestyle. These offers include discounts, cashback, and exclusive promotions with Visa’s partner merchants, adding further value to the cardholder’s experience.
    • Add-On Cards: The card allows up to 3 add-on credit cards for family members, enabling shared access to the card’s benefits and credit limit. This feature is ideal for households where multiple members wish to utilize the card’s perks, such as lounge access or reward points, under a single account.
    • Dynamic APR: The card features a dynamic Annual Percentage Rate (APR) ranging from 0.69% (8.28% p.a.) to 3.75% (45% p.a.), depending on the cardholder’s banking relationship with Federal Bank. This flexibility can result in lower interest costs for those with strong banking ties, making it a cost-effective option for revolving credit.
    • FedDelights Programme: Through the FedDelights programme, cardholders can enjoy up to 15% discounts at partner hotels and dining establishments. This feature enhances the card’s lifestyle benefits, offering savings on premium dining and accommodation experiences.
    • Comprehensive Security Features: The card incorporates advanced security measures, including EMV chip technology and 3D Secure authentication for online transactions. These features protect against fraud and unauthorized use, ensuring peace of mind for cardholders.
    • Minimum Repayment Amount: The minimum repayment amount for the card is 5% of the outstanding balance or a minimum of INR 100, providing flexibility for cardholders to manage their payments while avoiding high interest charges.
    • Wide Acceptance: As a Visa card, the Celesta Credit Card is widely accepted at millions of merchants worldwide, both online and offline, making it a reliable payment tool for domestic and international transactions.
    • Digital Card Access: Upon approval, cardholders can access a virtual credit card through the FedMobile app, allowing immediate use for online transactions even before the physical card is delivered.
    • Cash Withdrawal Facility: The card allows cash withdrawals at ATMs, with a fee of 2.5% of the withdrawn amount or INR 500, whichever is higher. This feature provides emergency financial support, though it should be used sparingly due to the associated costs. This comprehensive set of features makes the Federal Bank Visa Celesta Credit Card a compelling choice for those seeking a premium credit card with a focus on travel, dining, and lifestyle benefits. Its lifetime-free status, combined with a robust rewards program and exclusive perks, positions it as a versatile financial tool for modern consumers.
Premier Card Benefits

Benefits of the Federal Bank Visa Celesta Credit Card

  • Enhanced Rewards on Key Categories:

    The card’s 3-2-1 rewards structure is a significant benefit, offering:

    • 3x reward points on travel and international spends
    • 2x reward points on dining
    • 1x reward point on other categories for every INR 100 spent
  • Welcome Bonus: New cardholders receive an Amazon Pay e-voucher worth INR 600 upon spending INR 10,000 within the first 30 days of card issuance. Some sources indicate a higher welcome bonus of INR 2,000 for the same spending threshold, depending on promotional offers. This immediate benefit provides an attractive incentive for new users, allowing them to enjoy instant savings on Amazon purchases, which cater to a wide range of needs from electronics to daily essentials.

    • Airport Lounge Access: The card offers 2 complimentary international lounge visits per year and 4 complimentary domestic lounge visits per quarter, totaling 16 domestic visits annually.
    • BOGO Movie Ticket Offer: The Buy One Get One (BOGO) offer on INOX movie tickets, available once a month with a maximum discount of INR 100, is a delightful benefit for entertainment lovers.
    • Fuel Surcharge Savings: The 1% fuel surcharge waiver on transactions between INR 400 and INR 5,000, capped at INR 150 per month, provides tangible savings for cardholders who drive regularly.
    • Dining and Hotel Discounts: This benefit enhances the card’s appeal for those who enjoy premium dining experiences or frequent stays at luxury hotels. The discounts apply to a curated selection of partners.
    • Low Forex Markup Fee: The 2% forex markup fee for international transactions is a key benefit for cardholders who travel abroad or shop online from international merchants.
    • Lifetime Free Advantage: As a lifetime free credit card, the Celesta Credit Card has no joining or annual fees, making it a cost-effective option for premium users.
    • Flexible EMI Options: The card offers easy EMI conversion for transactions, with tenures of 3 or 6 months at a low interest rate of 0.83% per month (9.99% p.a.).
    • Secured Card Accessibility: The secured credit card option against a fixed deposit (minimum INR 25,000, tenure of 6 months) makes the card accessible to individuals with limited credit history.
    • Visa Network Privileges: As a Visa card, the Celesta Credit Card provides access to exclusive Visa offers and deals across travel, dining, shopping, entertainment, and lifestyle categories.
    • Add-On Card Benefits: The ability to issue up to 3 add-on cards for family members extends the card’s benefits to loved ones. Add-on cardholders can access the same rewards, lounge access, and other perks.
    • Dynamic APR Flexibility: The dynamic APR, ranging from 0.69% (8.28% p.a.) to 3.75% (45% p.a.), is tailored based on the cardholder’s banking relationship with Federal Bank.
    • Contactless Convenience: The contactless payment feature allows for quick and secure transactions up to INR 5,000 without a PIN, streamlining small purchases at retail outlets.
    • Security and Peace of Mind: The card’s EMV chip technology and 3D Secure authentication provide robust protection against fraud and unauthorized transactions.
    • Wide Merchant Acceptance: The Visa network ensures the card is accepted at millions of merchants worldwide, making it a reliable payment tool for domestic and international transactions.
    • Virtual Card for Immediate Use: Upon approval, cardholders can access a virtual credit card through the FedMobile app, enabling immediate online transactions before the physical card arrives.
    • Emergency Cash Access: While a fee of 2.5% or INR 500 (whichever is higher) applies, this feature ensures cardholders have access to funds in critical situations.
    • Comprehensive Lifestyle Benefits: The card’s benefits collectively cater to a premium lifestyle, offering savings and privileges across travel, dining, entertainment, and shopping.
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How to Apply for the Federal Bank Visa Celesta Credit Card

  • Choose Your Preferred Application Method:
    • Apply online through the official Federal Bank website or FedMobile app.
    • Visit the nearest Federal Bank branch for in-person application.
  • Online Application Process:
    • Visit the Federal Bank website and go to the Credit Cards section under "Personal Banking."
    • Select the Visa Celesta Credit Card and click on "Apply Now."
    • Review card benefits and check your eligibility (age, income, credit score).
    • Fill in the application form with personal, financial, and contact details.
    • Upload scanned documents (identity, income, and address proofs) in the correct format.
    • New applicants must complete a Video KYC via scheduled video call with ID verification.
    • Submit the application and note down the reference number for tracking.
  • Offline Application Process:
    • Visit the nearest Federal Bank branch with required documents.
    • Request the Visa Celesta Credit Card application form and fill it out with accurate details.
    • Submit photocopies of identity, address, and income proofs for verification.
    • vKYC may be conducted at the branch or scheduled if you're a new customer.
    • Receive a reference or receipt number to track the status of your application.
  • Track Your Application:
    • Use the reference number to check your status on the Federal Bank website.
    • Alternatively, contact customer care or visit your branch for updates.
    • SMS or email notifications will keep you informed on progress.
  • Receive the Credit Card:
    • Upon approval, a virtual card will be available on the FedMobile app.
    • The physical card will be delivered to your registered address within a few working days.
  • Post-Approval Steps:
    • Activate your card via FedMobile, FedNet, or branch support.
    • Set a secure 4-digit PIN for ATM and POS usage.
    • Link the card to digital wallets and track expenses via the FedMobile app.
  • Tips for a Smooth Application:
    • Ensure all application details are accurate and documents are updated and clear.
    • Maintain a credit score of 750+ for higher approval probability.
    • Check for prior card services to avoid system errors or duplicate applications.
  • Common Challenges and Solutions:
    • System Errors: Contact support if you're flagged for already using a Federal Bank card.
    • vKYC Delays: Use a good internet connection, proper lighting, and valid ID during the video call.
    • Document Rejection: Ensure documents are recent, legible, and meet format criteria.

Eligibility Criteria for the Federal Bank Visa Celesta Credit Card

  • Age Requirements:
    • Unsecured Card: Applicants must be between 21 and 70 years old.
    • Secured Card: Age range is 18 to 80 years, making it suitable for students, retirees, or those new to credit.
  • Nationality:
    • Open to Indian Residents and Non-Resident Indians (NRIs).
    • NRIs must submit valid passport, visa, and proof of Indian address for correspondence.
  • Income Requirements:
    • No fixed public threshold; consistent income is mandatory.
    • Salaried: Preferred income is ₹50,000+ per month from a stable employer.
    • Self-Employed: Business owners or professionals should submit ITRs and financial statements reflecting strong revenue.
  • Credit Score and History:
    • For unsecured cards, a credit score of 750+ is typically required.
    • Secured card is available to applicants with low, limited, or no credit history.
    • Timely payments on previous loans or credit cards improve approval chances.
  • Fixed Deposit for Secured Variant:
    • Maintain an FD of at least ₹25,000 for a tenure of 6 months or more.
    • Credit limit will be up to 80% of the FD amount, capped at ₹10 lakh.
  • Employment Type and Documentation:
    • Salaried: Submit salary slips, Form 16, and employer details.
    • Self-Employed: ITRs for 2–3 years, bank statements, and business registration documents are required.
  • Banking Relationship:
    • Existing customers may receive pre-approved offers or faster processing.
    • A strong relationship with Federal Bank can influence APR, credit limit, and approval timeline.
  • Debt-to-Income Ratio:
    • Lower DTI ratios are preferred—indicates better repayment capacity.
    • Paying off existing EMIs and limiting concurrent loan applications can improve approval odds.
  • Residency and Contactability:
    • Must have a verifiable permanent address in India or Indian communication address for NRIs.
    • Stable residence of at least 6 months may be preferred.
  • KYC and Documentation:
    • Mandatory submission of Aadhaar, PAN, passport, utility bills, or driving license.
    • Ensure documents are updated and consistent across application details.
  • Approval Tips:
    • Maintain a CIBIL score of 750+, low credit utilization, and clear any recent payment defaults.
    • Open an FD to qualify via the secured route if credit score is low or income is irregular.
    • Apply only after checking for pre-approved offers in FedMobile or via relationship manager.
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Documents Required for the Federal Bank Visa Celesta Credit Card

  • Proof of Identity:
    • Aadhaar Card: Including masked version; must be valid and up-to-date.
    • PAN Card: Mandatory for financial and tax-related verification.
    • Passport: Must have at least 6 months of validity (especially for NRIs).
    • Driver’s License: Issued by RTO, must be valid.
    • Voter ID Card: Issued by Election Commission and matching application details.
  • Proof of Address:
    • Aadhaar Card (if not used for ID proof): Address must match application.
    • Utility Bill: Recent (within 3 months) electricity, gas, or water bill.
    • Bank Statement: Last 3 months showing residential address.
    • Passport: Must reflect current residential address.
    • Rental Agreement: Registered agreement with landlord’s details.
    • Voter ID Card (if not used for ID): Must reflect current address.
  • Proof of Income:
    • Salaried Individuals:
      • Latest 1–2 months' salary slips.
      • 3–6 months’ bank statements showing salary credits.
      • Form 16 from employer for the previous financial year.
      • Employment certificate, if requested.
    • Self-Employed Individuals:
      • ITR filings for past 2–3 years.
      • 6–12 months’ business/personal bank statements.
      • CA-certified Profit and Loss statement.
      • Business registration documents (e.g., GST, partnership deed).
    • Secured Card Applicants:
      • FD receipt (minimum ₹25,000 for 6 months).
      • Bank statement reflecting FD account, if applicable.
  • Additional Documents for NRIs:
    • Valid Passport: With minimum 6 months’ validity.
    • Visa or Work Permit: For country of residence.
    • Overseas Address Proof: Recent utility bill or bank statement (within 3 months).
    • NRE/NRO Account Details: If available with Federal Bank or other Indian bank.
  • Document Submission Guidelines:
    • Digital:
      • Accepted formats: PDF, JPEG, PNG.
      • File size typically 2–5 MB.
      • Ensure legibility, clarity, and correct orientation.
    • Offline:
      • Submit clear photocopies with originals for branch verification.
      • Self-attestation may be required on physical copies.
  • Tips for Document Preparation:
    • Organize and collect all documents beforehand.
    • Ensure all documents are valid, recent, and consistent.
    • Use high-resolution scans for online uploads.
    • Label files clearly (e.g., Aadhaar_Proof.pdf, ITR_FY2024.pdf).
  • Common Document-Related Issues:
    • Outdated utility bills or expired ID proofs may lead to rejection.
    • Mismatched personal details across documents cause delays.
    • Incorrect file format or oversized uploads can halt online applications.
    • Incomplete submissions result in additional document requests.
  • Verification Process:
    • Manual check by bank officials for authenticity.
    • Video KYC for new applicants—present original documents.
    • Credit bureau checks for verification and creditworthiness.

Factors to Consider for Federal Bank Visa Celesta Credit Card

  • Rewards and Benefits Alignment:
    • The 3-2-1 rewards structure suits travelers and diners—3x on travel/international, 2x on dining, and 1x on others.
    • Evaluate if your major expenses fall into these high-reward categories.
    • Minimum 250 points required for redemption; cashback ranges from 0.25% to 0.75%.
  • Travel Benefits:
    • Includes 2 international and 4 domestic lounge visits annually.
    • Partnership with LoungeKey—check for available airport lounges at your frequent destinations.
    • Benefits not tied to minimum spends, ideal for moderate travelers.
  • Entertainment and Lifestyle Perks:
    • BOGO INOX movie tickets (up to ₹100/month) for regular moviegoers.
    • 15% FedDelights discounts on dining and hotels at selected partners.
    • Confirm if your preferred outlets are part of the FedDelights network.
  • Cost and Fees:
    • No joining or annual fee—lifetime free.
    • 2% forex markup fee—competitive for international usage.
    • Redemption, cash withdrawal, and EMI conversion each attract a ₹99/₹500+ fee.
  • Credit Limit and Financial Management:
    • Limit is income and credit-score dependent; ensure it supports your lifestyle.
    • Over-limit charges and APR (8.28% to 45%) apply based on relationship.
  • Secured vs. Unsecured Card Option:
    • Unsecured card for those with strong profiles; secured variant against FD (₹25,000+) available for others.
    • FD funds are locked during card tenure—assess liquidity needs.
  • Application and Approval Process:
    • Meet age (21–70 unsecured, 18–80 secured), income, and documentation criteria.
    • Ensure documents are valid and consistent to avoid delays.
    • Hard inquiry affects credit score—avoid multiple applications.
  • Comparison with Alternatives:
    • HDFC Regalia: Better rewards & lounge access; fee applies.
    • Axis Magnus: Excellent for high spenders but high income needed.
    • SBI Elite / ICICI Sapphire: Consider if cashback, shopping, or broader lounge access is your priority.
  • Customer Support and Digital Access:
    • 24/7 support via FedMobile app and rewards portal.
    • Check service reliability and ease of mobile app usage.
  • Long-Term Value Assessment:
    • Annual spend of ₹3L waives fees (if applicable in the future).
    • Low cashback % makes it better suited for high spenders in travel and dining.
    • Lifestyle-focused card—less suitable for basic cashback or online shopping usage.
  • Eligibility for NRI Applicants:
    • NRIs can apply with valid passport, visa, and overseas address proof.
    • NRE/NRO account with Federal Bank may be required for verification.
    • Check for regional issuance availability and servicing limitations.
  • Security and Fraud Protection:
    • Equipped with EMV chip and PIN for secure transactions.
    • Instant card blocking via app or helpline for lost/stolen cards.
    • Zero liability on fraudulent transactions post reporting.
  • Rewards Redemption Flexibility:
    • Points redeemable for cashback, merchandise, or travel bookings.
    • Redemption via FedMobile app or dedicated rewards portal.
    • Points validity of 3 years—track and redeem regularly.

Frequently Asked Questions (FAQs) – Federal Bank Celesta Visa Credit Card

1. What is the Federal Bank Celesta Visa Credit Card?
The Federal Bank Celesta Visa Credit Card is a premium lifestyle credit card that offers a variety of benefits such as airport lounge access, complimentary insurance coverage, reward points, and special privileges tailored for high-net-worth individuals and frequent travelers.
2. Who is eligible to apply for the Celesta Credit Card?
The card is typically offered to select customers based on their credit profile and banking relationship with Federal Bank. Applicants should have a stable income, a good credit score (preferably 750+), and meet the bank’s internal criteria.
3. What are the main benefits of the Celesta Visa Credit Card?
Key benefits include complimentary domestic and international airport lounge access, travel insurance, concierge services, rewards on every spend, zero liability on lost card (post reporting), and contactless payment capability.
4. What is the annual fee for the Celesta Credit Card?
The annual fee may vary based on the card variant or promotional offers. In many cases, this premium card comes with a higher annual fee, but it may be waived off based on your annual spending. Please confirm with the bank at the time of application.
5. Does the card offer international lounge access?
Yes, the Celesta Visa Credit Card offers complimentary international lounge access through the Priority Pass or Visa Airport Lounge program. Terms and number of visits allowed per year may apply.
6. What kind of reward points does the card offer?
The card earns reward points on every eligible domestic and international transaction. These points can be redeemed for a wide variety of gifts, vouchers, travel bookings, or cashback options through Federal Bank’s rewards platform.
7. How can I redeem my reward points?
Reward points can be redeemed via the Federal Bank Rewards portal or through the mobile banking app. You can choose from categories like electronics, travel, lifestyle, and vouchers.
8. Is there any fuel surcharge waiver on the Celesta Credit Card?
Yes, the card offers a fuel surcharge waiver typically on transactions ranging from ₹400 to ₹4,000 at all fuel stations across India. The maximum waiver limit may apply monthly.
9. Does the card come with insurance coverage?
Yes, it offers complimentary insurance benefits such as air accident coverage, lost baggage insurance, and purchase protection, depending on the terms and conditions of the card.
10. Can I use the card for international transactions?
Yes, the Celesta Visa Credit Card is enabled for international use. However, currency conversion charges and foreign transaction fees will apply.
11. How do I apply for the Federal Bank Celesta Credit Card?
You can apply through the official Federal Bank website, by visiting a branch, or via mobile banking if you’re an existing customer. The bank will verify your eligibility before approving the card.
12. Is there a contactless payment feature on the card?
Yes, the Celesta Credit Card supports contactless payments (Visa payWave), allowing you to make quick and secure payments at NFC-enabled terminals without swiping or entering a PIN for transactions up to a certain limit.
13. How can I check my credit card statement and usage?
You can check your monthly statements through Federal Bank’s internet banking, mobile app, or opt for e-statements via email.
14. What should I do if my card is lost or stolen?
Immediately report the loss to Federal Bank’s customer care or block the card using mobile/internet banking to prevent any unauthorized transactions. The cardholder is not liable for fraudulent transactions made after reporting the loss.
15. Is there any spending milestone benefit offered?
Yes, the card may offer milestone rewards such as bonus reward points, annual fee reversal, or vouchers upon reaching a predefined spending threshold in a calendar or financial year.

List of Federal Bank Celesta Visa Credit Card Branches in Tamil Nadu

  • Vellore - Ambur
  • Vellore - Gudiyatham
  • Tamil Nadu - Vellore
  • Thanjavur - Pattukkottai
  • Thanjavur - Kumbakonam
  • Thanjavur - Papanasam
  • Tamil Nadu - Thanjavur
  • Kancheepuram - Tambaram
  • Kancheepuram - Sriperumbudur
  • Kancheepuram - Guduvancheri
  • Tamil Nadu - Kancheepuram
  • Cuddalore - Chidambaram
  • Cuddalore - Neyveli
  • Cuddalore - Bhuvanagiri
  • Tamil Nadu - Cuddalore
  • Tirupur - Avinashi
  • Tirupur - Palladam
  • Tirupur - Sirumugai
  • Tamil Nadu - Tirupur
  • Namakkal - Rasipuram