Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Federal Bank Visa Celesta Credit Card

    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.

    Key Highlights of the Federal Bank Visa Celesta Credit Card

    • Enjoy a waiver of 1% on the fuel surcharge when you purchase fuel at any fuel station in India.
    • You earn 3x reward points on all international spends made with the credit card.
    • Avail 2 complimentary international lounge visits in one year.
    • You get up to 15% discounts at partner hotels under the FedDelights programme.
    • You get 3x reward points on your travel spends.

    Features and Benefits of Federal Bank Visa Celesta Credit Card

    Welcome benefits

    • As a welcome gift, you get an Amazon Pay e-voucher which is worth Rs.2,000.
    • This voucher will be issued to you when you spend a minimum of Rs.10,000 within the first 30 days of your credit card being issued.

    Milestone benefits:

    • When you spend over Rs.3 lakh in one year, the annual fee of Rs.3,000 for the next year will be waived off.

    Reward points benefits:

    • You get 2x reward points on dining spends.
    • You earn 3x reward points on your travel spends.
    • Get 3x reward points on international spends.
    • Earn 1x rewards for spends on other categories.

    Fuel benefits:

    • You get a 1% waiver of the fuel surcharge when you swipe the Federal Bank Visa Celesta Credit Card at any fuel station in India.

    Entertainment benefits:

    • When you buy one INOX movie ticket, you get another movie ticket for free.

    Travel and airport lounge benefits:

    • You get 2 complimentary lounge visits in a year at international airports.
    • You get 4 complimentary lounge visits every quarter at domestic airports.

    Dining benefits:

    • Through the FedDelights programme, you get up to 15% discount at partner hotels.

    Fees and Charges of the Federal Bank Visa Celesta Credit Card

    Type of Charge Fee
    Annual fee Rs.3,000
    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    Cash advance fee 2.5% of the amount that has been withdrawn or Rs.500 (whichever is higher)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%
    Overlimit charges
    • 2.5% of overlimit amount
    • This is subject to a minimum of Rs.500
    Late payment
    • Up to Rs.100- NIL
    • Rs.101 to Rs,500-Rs.100
    • Rs.501 to Rs.5,000-Rs.500
    • Rs.5,001 to Rs.10,000-Rs.600
    • Rs.10,001 to Rs.25,000-Rs.750
    • Rs.25,001 to Rs.50,000-Rs.950
    • More than Rs.50,000- Rs.1,000
    Returned cheque 2% of the cheque amount, subject to minimum of Rs.450
    Outstation cheque processing fee
    • Cheque value up to Rs.5,000- Rs.25
    • Cheque value above Rs.5,000- Rs.50
    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

    Interest on Revolving Credit for Federal Bank Visa Celesta Credit Card

    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)

    FAQs on Federal Bank Visa Celesta Credit Card

    1. How many times can I avail the ‘buy one, get one free’ movie ticket benefit?

      You can avail the benefit only once a month.

    2. How many add-on credit cards can I get?

      You can get up to 3 add-on credit cards.

    3. What is the minimum repayment amount for the credit card?

      The minimum repayment amount if 5% of the amount due or a minimum of Rs.100.

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