CardGuruji
Federal BankFederal Bank

Federal Bank Celesta

4.1600 reviewsLifestyleLow APR
Welcome offerNil
Annual fee
₹ 3,000
Reward rate
2X Rewards on Dining
Credit score
720+
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Free to apply via CardGuruji · subject to issuer approval

Federal Bank Celesta
VisaMastercard
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

2X Rewards on Dining

Lifestyle focused

Reward currency
Points
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Dynamic APR

  • Lounge Access

  • BOGO Movies

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Low APR possible

  • Elegant design

What to watch out for

  • Limited rewards

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹3,000Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1000
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
0.49-3.5%
Balance transfer
0.49%
Cash advance
3.5%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Federal Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

720+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Federal Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Federal Bank Celesta

Everything you need to know about Federal Bank Celesta fees, reward conversion, lounge access, and application eligibility.

The joining fee for Federal Bank Celesta is nominal, and the annual renewal fee is ₹3000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Federal Bank Celesta from Federal Bank, a CIBIL score of 720 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Federal Bank Celesta is designed to reward everyday spends. It currently features: "Nil". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Federal Bank's rewards portal.

Yes, Federal Bank Celesta offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Federal Bank Celesta directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.