Federal Celesta Review 2026
Last reviewed:
Quick verdict
A mid-tier card from Federal Bank with balanced travel and entertainment benefits for its price. The 6 domestic plus 3 international lounge visits and Buy 1 Get 1 movie tickets offer good value at ₹1,499/year. Best for Federal Bank customers in Kerala and South India where the bank has a strong presence.
Pros
- Airport lounge access: 6 domestic + 3 international per year
- Welcome benefit: 1000 reward points on activation
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- 6 domestic + 3 international lounge visits
- Buy 1 Get 1 on movie tickets
- 2X rewards on weekend dining
- Annual fee waiver on ₹3L spend
Fees & charges at a glance
| Joining Fee | ₹1,499 + GST |
|---|---|
| Annual Fee | ₹1,499 + GST |
| Rewards | 4 reward points per ₹150 spent |
| Welcome Benefit | 1000 reward points on activation |
| Lounge Access | 6 domestic + 3 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹30,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The Federal Celesta is best suited for travel & entertainment. It is a premium card on the Visa network, and Federal Bank generally looks for a minimum income of ₹30,000/month. If your spending matches its reward categories (4 reward points per ₹150 spent), the card can pay for its annual fee of ₹1,499 + GST. If not, a lifetime-free card may give you better net value.
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Federal Celesta: frequently asked questions
What is the annual fee of the Federal Celesta?
The Federal Celesta has a joining fee of ₹1,499 + GST and an annual fee of ₹1,499 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Federal Bank.
What rewards does the Federal Celesta give?
4 reward points per ₹150 spent. 6 domestic + 3 international lounge visits. Buy 1 Get 1 on movie tickets.
Does the Federal Celesta offer airport lounge access?
Yes. The Federal Celesta offers 6 domestic + 3 international per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with Federal Bank.
What is the eligibility and minimum income for the Federal Celesta?
Federal Bank typically requires a minimum income of ₹30,000/month for the Federal Celesta, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the Federal Celesta?
The Federal Celesta charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the Federal Celesta?
The foreign currency markup on the Federal Celesta is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the Federal Celesta to UPI?
No. The Federal Celesta runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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