Premium Lifestyle Card with Complimentary Domestic & International Lounges
Discerning cardholders seeking lifetime-free or premium relationship lifestyle privileges with airport lounge access.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1x rewards for other categories
On eligible spends2 Domestic visits/quarter + 2 International visits/year · ₹60k quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Federal Bank Visa Celesta Credit Card serves as the flagship premium tier within Federal Bank's retail card line-up. Offered primarily on a Lifetime Free (LTF) basis to qualified high-income professionals and priority banking clientele, it strikes an exceptional balance between luxury benefits and zero recurring overhead. Cardholders enjoy 4 complimentary domestic airport lounge visits per quarter, alongside 2 complimentary international lounge visits annually via Priority Pass. The card delivers an attractive rewards architecture with 3X reward points on dining and international spends, and 2X points on regular retail purchases. Redemption is frictionless through the Federal Rewards portal for flight bookings, hotel reservations, and premier brand merchandise at a consistent value. With zero annual fee liability, complimentary comprehensive travel insurance coverage, and a modest foreign exchange markup of 2.50%, the Visa Celesta stands out as one of the best no-annual-fee premium credit cards in India.
Federal Rewards
- Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
- 1% fuel surcharge waiver
Value Vouchers
Amazon Pay e-Voucher worth ₹600
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Complimentary lounge access –
Enjoy 2 International Lounge access in a year without any spend criteria. For Domestic Lounge access, spend INR 60,000 or more in a quarter to enjoy 2 visits in the next quarter.*
Airport Lounge Offer Terms & Conditions
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories. 1% fuel surcharge waiver at all fuel stations across India. And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories. 1% fuel surcharge waiver at all fuel stations across India. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
BOGO Offers* (Buy One Get One) on INOX movie tickets
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
UPI
Federal Rewards
Value Vouchers
Annual Percentage Rate (APR) starting from
3-2-1 rewards
structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.
Amazon Pay e-Voucher worth ₹600
BOGO Offers* (Buy One Get One) on INOX movie tickets
1% fuel surcharge waiver
at all fuel stations across India.
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Complimentary lounge access –
Enjoy 2 International Lounge access in a year without any spend criteria. For Domestic Lounge access, spend INR 60,000 or more in a quarter to enjoy 2 visits in the next quarter.*
Mark-up fee of 2%
Lifetime Free Credit Cards
No membership fee & no joining fee
Airport Lounge Offer Terms & Conditions
Annual Percentage Rate (Dynamic) linked with AMB in operative account
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
A credit card offers you the flexibility to make purchases or pay bills now and repay later. What makes it special is the convenience, wide acceptance, reward programs, interest-free period, and the ability to build your credit history when used responsibly. It is a powerful financial tool for both everyday spending and emergency needs.
Reward points on every transaction
Cashback, offers, and discounts from partner merchants
Reward points are redeemed (if applicable)
• Your card is a Lifetime Free Credit Card with Zero Annual Membership Fee and Zero Joining Fee.
• Lowest Dynamic Annual Percentage Rate (APR) starting from 5.88% p.a.
• Accelerated Rewards point structure of 3x-2x-1x based on spends. Refer
https://www.federalrewards.in/
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
• Fuel surcharge waiver Benefits @1%*
To Activate your Physical Credit Card for POS/ATM/Contactless you need to first Set the PIN.
You can conveniently enable/disable Online, Contactless and/or international transactions on your Credit Card through your FedNet/FedMobile app.
I attempted a Contactless transaction, but the same got declined.
This transaction might have declined as contactless transaction might have been disabled in your Card controls. Activate the same via below steps and try the transaction again.
Login to FedNet/FedMobile App → Credit Card → Manage Card → Manage Credit Card → Enable Domestic/International Contactless
Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer). To know more refer
Are there any charges for redemption of reward points?
Offers & Rewards
Contactless Payment
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 3X Reward Points on international transactions (6 RP per ₹100 spent; 1.50% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Travel & Dining Spends | 2X Reward Points on travel and dining (4 RP per ₹100 spent; 1.00% value) | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent on other purchases (0.50% value) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹6,000 | 3X Reward Points on international transactions (6 RP per ₹100 spent; 1.50% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Travel & Dining Spends | ₹6,000 | 2X Reward Points on travel and dining (4 RP per ₹100 spent; 1.00% value) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent on other purchases (0.50% value) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Resident Indian salaried professionals earning over ₹12 Lakhs p.a. or self-employed with equivalent ITR; also offered to Federal Bank FedSelect/Priority clients. • Joining & Annual Fee: ₹0 (Lifetime Free for eligible approved applicants). • Airport Lounge Privileges: 4 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits annually. • Rewards Acceleration: 3X reward points on dining and international spends; 2X points on general retail transactions. • Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India for transactions between ₹400 and ₹5,000 (up to ₹250 per statement cycle). • Forex Markup: Preferential foreign currency transaction markup fee of 2.50% + GST. • Travel Insurance: Complimentary air accident personal insurance cover of up to ₹1 Crore.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Federal Bank Visa Celesta Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Federal Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Federal Bank Mastercard Celesta Credit Card
Best for: High-net-worth retail banking customers, executive flyers, and premium online shoppers seeking low forex fees and complimentary airport lounge access.
Rewards: Federal Rewards
Lounge access: 2 Domestic visits/quarter + 2 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Last verified 3 Oct 2026
Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 5 Reward Points per ₹200 spent
Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,00,000 annual spend
Last verified 16 Oct 2026
Best for: Mid-Tier Spenders, Movie Enthusiasts, Weekend Diners & Domestic Travelers
Rewards: 4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
Lounge access: 2 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹3,00,000 annual spend
Last verified 2 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge access: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
Last verified 3 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
