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Federal Bank Celesta Credit Card
78/100
Federal Bank
Lifetime free travel card with 2% forex markup
Credwiser Score 78/100

Federal Bank Celesta Credit Card

Federal Bank • Lifetime free travel card with 2% forex markup

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Celesta is Federal Bank premium lifetime free card built around travel and international spends. It pairs a low 2% forex markup with accelerated points on travel and dining and spend linked lounge access. For a no fee card, the travel package is unusually complete.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverLifetime Free forever
Joining PerkAmazon Pay e-Voucher worth ₹600 on ₹10,000 spend within first 30 days
Primary Reward3X points on travel and international spends, 2X on dining, 1X on other spends
Airport Lounge Access8 Domestic Lounge visits per year (2 per quarter on spending ₹60,000 in previous quarter) plus 2 International Lounge visits per year
Forex Markup2% + 18% GST
RuPay UPINo
Best ForTravellers who want low forex cost without an annual fee

What We Like

  • Lifetime free with no joining or annual fee for new customers
  • Low 2% forex markup with 3X points on international spends
  • Domestic and international lounge access plus INOX movie offer

Watch Out

  • Domestic lounge visits need ₹60,000 spend in the previous quarter
  • Reward point value is modest outside travel redemptions
  • Best benefits need regular travel or forex spends to shine

MITC & Hidden Charges

Lifetime free card. 18% GST applies to other charges as applicable.

Federal Bank Celesta Credit Card FAQs

Is Federal Celesta lifetime free?

Yes for customers onboarded from 3 April 2023. Federal Bank lists zero joining fee and zero annual membership fee.

What is the forex markup on Federal Celesta?

Federal Bank states a 2% markup fee on foreign currency transactions, plus GST.

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Annual Fee₹0 LTF
Reward0% Forex Markup on international transactions + Unlimited domestic lounges (spend-linked)
LoungeComplimentary Domestic Lounges upon spending ₹5,000 in previous billing cycle
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Flexible miles with 4X points on travel
Annual Fee₹4,999 + GST
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Lounge6 Domestic Lounge visits per year plus 4 International Lounge visits per year
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Annual Fee₹0 LTF
RewardUp to 10X reward points (2.5% return) + Low 1.5% Forex markup
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