Federal Bank
Federal Bank Celesta Credit Card
Data Verified
Last checked: 1 Mar 2026Best for Federal Bank customers wanting a premium card with strong lounge access and milestone rewards from a trusted private bank.
Federal Bank's premium lifestyle card offering 6 complimentary domestic lounge visits, 2X reward points on all spends, milestone benefits, comprehensive insurance, and dining offers across 1,500+ partner restaurants.
TravelDiningShoppingLifestyle
Annual Fee
₹2500
Annual fee waived on ₹3.5 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"Federal Bank Celesta is a sleeper hit — 6 lounge visits and 2X rewards at ₹2,500/year is competitive with HDFC and Axis cards costing more. Milestone benefits at ₹2L and ₹5L add bonus value for consistent spenders. Federal Bank's growing network and digital banking make this more practical than it would have been 3 years ago. Insurance coverage is comprehensive. Verdict: Best premium card from a non-Big-4 bank."
Key Privileges
Welcome BenefitWelcome kit with ₹2,500 equivalent benefits on first spend
Fee WaiverAnnual fee waived on ₹3.5 lakh annual spend
Interest Rate (APR)42%
Min. Income₹6 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹6 lakh per annum
- EmploymentSalaried/Self