FEDERAL

Federal Bank Celesta Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹0 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
Low 2% forex markup

What you'd do with it

Strong fit when you want everyday spend without annual fee drag.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 2% forex · 2 per quarter lounge
Moderate forex 2% forex markup
Strong lounge access 2 per quarter domestic lounge

Suggested comparison Similar lounge profile Compare with AU Small Finance Bank ixigo →

Choose another card to compare →

Annual fee ₹0 lifetime free

Forex markup 2% high

Lounge access 2 per quarter

Rewards / ₹100 3 pts up to · ₹100 on Travel International

The catch Domestic: 2/quarter · requires ₹60,000 spend in the previous calendar quarter. Domestic lounge cap is 8 visits per year. International lounge cap is 2 visits per year.

Welcome benefit timing may vary
Welcome benefit listed
Annual fee known
Forex markup known
2 per quarter domestic lounge

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹0
Forex markup: 2% lower than 71 of 111 cards
Lounge access: 2 per quarter domestic lounge · 2 per year international
Reward rate: Up to 3 pts / ₹100 on Travel International

Good fit for

Good for travel
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters.
Forex markup is low at 2%.
Use this for travel international spends, but verify caps and exclusions before relying on the headline rate.

Verify before applying

Annual fee known
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 1 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with AU Small Finance Bank ixigo Similar lounge profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. No annual fee cards Cards with zero published annual fee. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

No joining or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: ₹600 gift voucher. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Lounge access spend gate₹60,000quarterLounge eligibilityreasonablestrong

Reward reality

Point value · limits · exclusions

Verified value₹0.25 per pointCatalogue

Best verified laneTravel International3 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Travel International3 pts / ₹1003× rewards on travel and international category spends.—

Dining (domestic)2 pts / ₹1002× rewards on dining category spends.—

General spend1 pt / ₹1001 Federal Reward Point per ₹100 on eligible retail spends (MITC base table).—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (1 pt / ₹100). ~500 pts/month. Partner/category bonuses not included.
Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter — via Federal Bank lounge programme · verified 8 Jul 2026 Condition: ₹60,000 spend in the previous calendar quarter

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
International (cardholder): 2 per year — via Federal Bank lounge programme · verified 8 Jul 2026

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
Federal fleet MITC: Federal fleet MITC

Rewards

Base earn: 1 pt / ₹100 value depends on redemption
Headline point value: ₹0.25 per Reward Point (Catalogue) · verified 8 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity: Points expire 3 years after earning · verified 8 Jul 2026