Eligible spend
1 points per ₹100 on eligible spend
FEDERAL VISA
Celesta
Should you get this?
Strong fit
Why this card
- Forex markup is low at 2%.
- Up to 3 pts / ₹100 on Travel International
- 2 per quarter domestic + 2 per year international.
Trade-off
Welcome offer details not verified
Annual fee ₹0 no annual fee currently listed
Rewards 1 pt / ₹100 base
Lounge access 2 domestic (2 per quarter) + 2 intl (2 per year)
Forex markup 2% low
Compare with AU Small Finance Bank ixigo →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
No joining fee
From year 2
No renewal fee
Welcome offer
Issuer currently markets a ₹2,000 Amazon Pay welcome voucher
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Travel International3 pts / ₹100Credited as reward pointsNot stated
Dining2 pts / ₹100Credited as reward pointsNot stated
Redemption value
What a Reward Point is worth
- Catalogue₹0.25 / pt
- Cash redemption value₹0.10 per Reward Point
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.25 per point
Catalogue
Ranking floor
₹0.1 per point
(conservative floor)
₹0.25 per point (best documented)
Best verified lane
Travel International
3 pts / ₹100
View bonus categories →No reward on
- Government payments
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeEligibility requirements conflict across current evidence. Verify the issuer's current criteria before applying.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Domestic lounge spend gate₹60,000quarterLounge eligibility
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹50 at the conservative redemption floor
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
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 (unlocks the following quarter)
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Operator-verified anchor
- BankBazaar
- Mymoneymantra Federal Celesta
- International (cardholder)
- 2 per year
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Operator-verified anchor
- BankBazaar
- Mymoneymantra Federal Celesta
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.1% base at the cash-redemption floor; up to ~0.25% through documented catalogue/shopping redemption · verified 8 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- 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
Fees & charges
Fees
- Monthly interest rate
- 0.69%–3.75% per month Depends on Federal Bank relationship average monthly balance (prior quarter): up to 3.75%/mo below ₹50k AMB; lower tiers at higher AMB (FAQ / MITC).
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 8 Jul 2026
- Interest-free period
- Up to 48 days · verified 8 Jul 2026
- Late-payment charge
- ₹100–₹950 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Stable Money
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹150 per month.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Payments
- Government payments
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 2%.
- 2 per quarter domestic lounge · 2 per year international.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic + 2 per year international. 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, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
When do welcome benefits arrive?
The issuer currently markets a ₹2,000 welcome voucher, but its eligibility and detailed terms have not been reconciled with earlier information. Verify the current offer before applying.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Cashback vs points
When simple cash beats flashy miles