The Federal Bank Visa Celesta Credit Card allows you to enjoy benefits on entertainment, travel and lifestyle. You will earn reward points every time you swipe the credit card. The annual fee of the card is Rs.3,000.
Reward points benefits:
Travel and airport lounge benefits:
|Type of Charge||Fee|
|Add-on credit card||Rs.100 per add-on card|
|Cash advance fee||2.5% of the amount that has been withdrawn or Rs.500 (whichever is higher)|
|Cash advance limit||30%|
|Returned cheque||2% of the cheque amount, subject to minimum of Rs.450|
|Outstation cheque processing fee||
|TDS on cash withdrawals (more than Rs.1 crore)||2% applicable on aggregate cash withdrawals|
|Foreign currency mark-up fee||2%|
|Rewards redemption fee||Rs.99 per redemption request|
|Cash payment of fee at Federal Bank branches||Rs.100|
|Re-issue of credit card||Rs.200|
|Average monthly balance (last quarter)||Annual Percentage Rate (APR %)|
|Up to Rs.50,000||41.88% (3.49% per month)|
|Rs.50,000 to Rs.3 lakh||30.00% (2.49% per month)|
|Rs.3,00,001 to Rs.10 lakh||18.00% (1.49% per month)|
|Over Rs.10 lakh||5.88% (0.49% per month)|
You can avail the benefit only once a month.
You can get up to 3 add-on credit cards.
The minimum repayment amount if 5% of the amount due or a minimum of Rs.100.
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