Federal Bank Celesta Credit Card review
Frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing Federal Bank account holders. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
Federal Bank · Visa / Mastercard · Lifetime-free
3X reward points per ₹100 on travel and international spends, plus 2 free international airport lounge visits per year with no spend condition
- Annual fee
- Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed)
- Reward rate
- 3 RP/₹100 on travel & international, 2 RP/₹100 on dining, 1 RP/₹100 on other spends; 1 RP = ₹0.25 (₹99 + GST redemption fee)
- Lifetime-free
- Yes
- Network
- Visa / Mastercard
- Eligibility
- Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced)
Why it stands out
- 3X reward points per ₹100 on travel/international and 2X on dining (1 RP = ₹0.25); ₹99 + GST per redemption
- 2 international lounge visits/year (no spend) + 2 domestic visits/quarter on ₹60,000 spend in the prior quarter
- Lifetime free (no joining or annual fee), 1% fuel surcharge waiver and 2% forex markup; ₹600 Amazon Pay voucher on ₹10,000 spend in 30 days
Good to know
- It's genuinely lifetime-free — no joining or annual fee, so there's no minimum spend just to avoid a fee.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on Federal Bank's official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards and best lifetime-free credit cards roundup.
Federal Bank Celesta Credit Card — FAQs
Yes. The Federal Bank Celesta Credit Card has no joining fee and no annual fee for the life of the card, so you never pay just to hold it. Always confirm on Federal Bank's page, as issuers occasionally add fees.
Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed). Fees are dated as of June 2026 and can change — check the current schedule of charges on Federal Bank's official page before applying.
3X reward points per ₹100 on travel and international spends, plus 2 free international airport lounge visits per year with no spend condition In detail: 3 RP/₹100 on travel & international, 2 RP/₹100 on dining, 1 RP/₹100 on other spends; 1 RP = ₹0.25 (₹99 + GST redemption fee). Reward values and caps are indicative and set by the issuer.
Frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing Federal Bank account holders. Eligibility is broadly Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced). It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on Federal Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.