MyFinCards
Mastercard Celesta

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0.6 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
Federal Bank
Travel
Lifestyle
Rewards
Best For: Frequent international travelers, Dining enthusiasts, Lifestyle spenders

Mastercard Celesta

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Points Validity

24 Months

Pros

  • 3x rewards on Travel and International spends
  • 2x rewards on Dining spends
  • Complimentary international lounge access with no spend criteria
  • Low 2% foreign currency markup
  • Welcome benefit: Amazon Pay e-Voucher worth ₹600
  • Monthly BOGO movie ticket at INOX
  • 1% fuel surcharge waiver

Cons

  • Domestic lounge access requires quarterly spend of INR 60,000

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Domestic lounge access is spend-based (INR 60,000 per quarter)

Dynamic APR ranges from 1.99% to 3.49% p.m. depending on banking relationship

INOX BOGO offer capped at Rs.100 discount

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slips
Form 16
Official Terms & Conditions

About Mastercard Celesta

The Federal Bank Mastercard Celesta Credit Card is a premium offering designed for those who love to travel, dine, and experience the finer things in life. Built around a distinctive 3-2-1 rewards structure, cardholders earn 3x rewards on travel and international spends, 2x rewards on dining, and 1x rewards on all other purchases, making every transaction an opportunity to accumulate value. From the moment you receive the card, the benefits begin. New cardholders can enjoy an Amazon Pay e-Voucher worth ₹600 upon spending ₹10,000 within the first 30 days. The card also provides 2 complimentary international lounge visits annually with no minimum spend requirement, while domestic lounge access is unlocked by spending ₹60,000 or more per quarter. Additional lifestyle perks include a monthly BOGO movie ticket offer at INOX cinemas (up to ₹100 off), a 1% fuel surcharge waiver across all fuel stations in India, and a reduced foreign transaction markup fee of just 2%. Frequent international travelers will appreciate the card's competitive dynamic Annual Percentage Rate, starting from 1.99% per month, which is linked to your banking relationship with Federal Bank. Ongoing cashback offers through the Federal Bank Mastercard Shop Perks program further enhance the card's everyday value, making it a well-rounded choice for lifestyle-focused spenders.

Expert Review

Our Verdict

Premium Mastercard with 3x travel rewards, international lounge access, and low forex markup of 2%.

Frequently Asked QuestionsAbout Mastercard Celesta

REWARDSWhat is the rewards structure on the Federal Bank Mastercard Celesta Credit Card?
The Federal Bank Mastercard Celesta Credit Card offers a bespoke 3-2-1 rewards structure: 3x reward points on Travel and International spends, 2x reward points on Dining spends, and 1x reward points on all other categories. This tiered structure is designed to maximize benefits for customers who frequently travel, dine out, or make international purchases.
BENEFITSWhat is the welcome benefit on the Mastercard Celesta Credit Card?
As a welcome benefit, new Mastercard Celesta Credit Card holders receive an Amazon Pay e-Voucher worth ₹600. To be eligible for this benefit, you must make a minimum spend of ₹10,000 within the first 30 days of receiving your card. Terms and conditions apply.
BENEFITSHow does the complimentary airport lounge access work on the Mastercard Celesta Credit Card?
The Mastercard Celesta Credit Card offers 2 complimentary International Lounge visits per year with no spend criteria required. For Domestic Lounge access, cardholders must spend INR 60,000 or more in a quarter to unlock 2 complimentary domestic lounge visits in the following quarter. Terms and conditions apply.
INTERNATIONALWhat is the foreign currency markup fee on the Mastercard Celesta Credit Card?
The Federal Bank Mastercard Celesta Credit Card charges a reduced foreign currency markup fee of 2% on all international transactions. This is relatively competitive compared to many other credit cards in the market, making it a good choice for frequent international travelers or those who regularly make purchases in foreign currencies.
BENEFITSWhat is the INOX movie benefit on the Mastercard Celesta Credit Card?
Mastercard Celesta Credit Card holders can enjoy a Buy One Get One (BOGO) movie ticket offer at INOX cinemas once every month. The offer provides a discount of up to ₹100 on the second ticket. This benefit is applicable once per month, allowing cardholders to enjoy regular movie outings at a reduced cost. Terms and conditions apply.
BENEFITSIs there a fuel surcharge waiver on the Mastercard Celesta Credit Card?
Yes, the Federal Bank Mastercard Celesta Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This benefit helps cardholders save on every fuel transaction, reducing the overall cost of fueling their vehicles. The waiver is applicable at all fuel stations pan-India.
FEESWhat is the Annual Percentage Rate (APR) on the Mastercard Celesta Credit Card?
The Federal Bank Mastercard Celesta Credit Card features a dynamic Annual Percentage Rate (APR) starting from 1.99% per month (23.88% per annum) to 3.49% per month (41.88% per annum). The specific rate applicable to you depends on your banking relationship with Federal Bank. Please refer to the Most Important Terms and Conditions (MITC) for a detailed schedule of charges.
REWARDSAre there any cashback offers available on the Mastercard Celesta Credit Card?
Yes, Mastercard Celesta Credit Card holders can enjoy ongoing attractive cashback offers across various brands through the Federal Bank Mastercard Shop Perks program. These offers are updated regularly and cover a wide range of brands and categories. Cardholders are encouraged to check the Federal Bank website or app for the latest available offers and promotions.
FEESWhat are the joining and annual fees for the Mastercard Celesta Credit Card?
The Federal Bank Mastercard Celesta Credit Card does not have a publicly disclosed standard joining fee or annual fee listed on the product page. It is recommended to contact Federal Bank directly or check the Most Important Terms and Conditions (MITC) document available on the bank's website for the most accurate and up-to-date fee information before applying.
APPLICATIONHow can I apply for the Federal Bank Mastercard Celesta Credit Card?
You can apply for the Federal Bank Mastercard Celesta Credit Card online through the Federal Bank website by clicking the 'Apply Now' button on the card's product page. You can also visit the nearest Federal Bank branch to apply in person. The card variant and network options are confirmed during the application process. Ensure you have the required documents ready before applying.
DOCUMENTSWhat documents are typically required to apply for the Mastercard Celesta Credit Card?
While the page does not specify exact document requirements, applying for a Federal Bank Mastercard Celesta Credit Card typically requires standard KYC documents such as a government-issued photo ID (Aadhaar, PAN card, Passport), address proof, recent passport-sized photographs, and income proof (salary slips, bank statements, or IT returns). It is advisable to contact Federal Bank or visit a branch for the precise list of required documents.
CANCELLATIONHow can I block my Federal Bank Mastercard Celesta Credit Card if it is lost or stolen?
If your Federal Bank Mastercard Celesta Credit Card is lost or stolen, you can block it through multiple channels: using FedMobile (Federal Bank's mobile banking app), FedNet (internet banking), by sending an SMS, by calling the Federal Bank contact centre, or by visiting the nearest Federal Bank branch. It is recommended to act immediately to prevent unauthorized transactions.
INTERNATIONALCan I use the Mastercard Celesta Credit Card for international transactions?
Yes, the Federal Bank Mastercard Celesta Credit Card can be used for international transactions wherever Mastercard is accepted worldwide. The card comes with a competitive 2% foreign currency markup fee on international spends. Additionally, cardholders earn 3x reward points on international category spends, making it a rewarding card to use abroad.
OTHERHow do I opt out of receiving marketing calls or SMS for the Mastercard Celesta Credit Card?
If you do not wish to receive unsolicited calls or SMS for marketing of Federal Bank credit card products, you can deregister your contact number through the Do Not Call (DNC) Service available on the Federal Bank website. Simply visit the DNC section on the credit card page and follow the instructions to deregister your number from their marketing communication list.
USAGEWhat is the minimum spend requirement to unlock domestic lounge access on the Mastercard Celesta Credit Card?
To avail complimentary domestic airport lounge access with the Mastercard Celesta Credit Card, you must spend INR 60,000 or more in a calendar quarter. Upon meeting this spend threshold, you will be entitled to 2 complimentary domestic lounge visits in the subsequent quarter. Note that international lounge access (2 visits per year) is available without any spend criteria.

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