Visa Celesta

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

Lifetime free with no joining or annual fee
3x rewards on travel and international spends
2x rewards on dining
Complimentary international lounge access
BOGO movie offer on INOX monthly
1% fuel surcharge waiver
Welcome Amazon Pay voucher of ₹600

Cons

2% foreign currency markup fee
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 conditional on INR 60,000 quarterly spend

Lifetime free is a limited period offer (w.e.f 3rd April 2023)

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Age Requirement

21+ Years

Required Documents

IDENTITY Proof

PAN Card

Aadhaar Card

INCOME Proof

Last 3 months bank statement (PDF)

Income Tax Login Credentials (for non-salaried/self-employed)

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Visa Celesta

The Federal Bank Visa Celesta Credit Card is a lifetime free card with no joining fee or annual membership fee, designed to elevate the lifestyle of frequent travelers, diners, and international spenders. Built around a bespoke 3-2-1 rewards structure, cardholders earn 3x reward points on travel and international spends, 2x points on dining, and 1x points on all other purchases, ensuring maximum value across everyday and premium expenditures. New cardholders are welcomed with an Amazon Pay e-voucher worth Rs. 600 on a minimum spend of Rs. 10,000 within the first 30 days. The card also offers BOGO deals on INOX movie tickets once a month, a 1% fuel surcharge waiver at all fuel stations across India, and a 2% mark-up fee on foreign currency transactions. Complimentary lounge access adds further travel convenience, with 2 international lounge visits per year available without any spend criteria, and 2 domestic lounge visits per quarter upon spending INR 60,000 or more in the preceding quarter. Backed by the Visa network, the Celesta card grants access to a wide range of Visa offers spanning travel, dining, shopping, entertainment, and lifestyle. With a dynamic Annual Percentage Rate starting from 1.99% per month, this card is a compelling choice for those seeking premium rewards and travel-focused benefits without any membership costs.

Expert Review