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Last updated: 12 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2X Rewards on Dining
Lifestyle focused
The privileges that come bundled in, beyond the reward points.
Dynamic APR
Lounge Access
BOGO Movies
An honest read on where this card earns its keep — and where it doesn't.
Low APR possible
Elegant design
Limited rewards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Federal Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Federal Bank Celesta stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Federal Bank Celesta fees, reward conversion, lounge access, and application eligibility.
Federal Bank Celesta has an annual fee of ₹3,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Do not substitute regular rewards or lifestyle privileges for a welcome offer.".
Federal Bank Celesta earns Points at a primary rate of 2X Rewards on Dining. Specifically, Lifestyle focused. Spends in Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, Federal Bank Celesta features complimentary airport lounge privileges. Privileges include: "Lounge Access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of Federal Bank Celesta. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Federal Bank Celesta is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Federal Bank Celesta levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Federal Bank Celesta currently features a welcome offer: "Do not substitute regular rewards or lifestyle privileges for a welcome offer.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low APR possible and Elegant design. However, keep in mind that Limited rewards. Overall, Federal Bank Celesta delivers strong value if your regular spending aligns with Lifestyle.
You can apply for Federal Bank Celesta directly through Federal Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
