Federal Bank - VISA Celesta Credit Card Overview
The Federal Bank VISA Celesta Credit Card offers a structured reward system, lifestyle benefits, and convenient payment features for both everyday and premium spending. Below is a clear summary of features and important information.
Key Features
Annual Percentage Rate (APR)
- APR starts from 0.69% per month (equivalent to 8.28% per annum).
Applicable rates may vary as per Federal Bank policies.
Reward Structure (3-2-1 System)
- 3X Rewards: Travel and International spends
- 2X Rewards: Dining spends
- 1X Rewards: All other eligible categories
Welcome Benefit
- Amazon Pay e-Voucher worth ₹600 on completing ₹10,000 spend within the first 30 days of card issuance.
Movie Benefits
- Buy One Get One (BOGO) offer on INOX movie tickets, once per month.
Terms and conditions apply.
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at fuel stations across India.
Subject to bank-defined limits and applicable conditions.
Visa Offers & Deals
Cardholders can access Visa’s curated offers across:
- Travel
- Dining
- Shopping
- Entertainment
- Lifestyle categories
Airport Lounge Access
- International Lounges: 2 complimentary visits per year (no minimum spend required).
- Domestic Lounges: 2 complimentary visits in the next quarter upon completing ₹60,000+ spends in the current quarter.
Foreign Mark-up Fee
- 2% on international transactions.
Additional Services by Federal Bank
- Lifetime free card (no joining or annual fee) — limited period offer, effective from 3rd April 2023.
- Email alerts
- Mobile alerts
- e-Statements
- Credit Card EMI facility
- Do Not Call (DNC) service
Summary
The Federal Bank VISA Celesta Credit Card provides a balanced mix of rewards, lounge access, and lifestyle benefits. Its 3-2-1 reward mechanism, fuel surcharge waiver, and access to Visa privileges make it suitable for a wide range of spending habits.
Disclaimer
All features, limits, charges, and benefits are subject to the official terms and conditions of Federal Bank. The information provided here is only for general understanding. Users should verify the latest details on the official Federal Bank website before applying.
