MyFinCards
Visa Celesta

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

2% + GST

INTERNATIONAL
Federal Bank
Travel
Lifestyle
Rewards
Best For: Frequent travelers, Diners, International spenders

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

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

Our Verdict

Lifetime free travel card with 3x rewards on travel, lounge access, BOGO movies & fuel waiver.

Frequently Asked QuestionsAbout Visa Celesta

FEESWhat is the joining fee and annual fee for the Visa Celesta Credit Card?
The Visa Celesta Credit Card is a Lifetime Free Credit Card with absolutely zero joining fee and zero annual membership fee. This is a limited period offer effective from 3rd April 2023. You can enjoy all the premium features and benefits of the card without worrying about any membership charges.
ELIGIBILITYWhat is the minimum age requirement to apply for the Visa Celesta Credit Card?
To apply for the Visa Celesta Credit Card (an unsecured credit card), you must be a minimum of 21 years of age. Additionally, you need to have a good credit history and must be an Indian resident or a Non-Resident Indian (NRI). A secured Federal Bank Credit Card can be applied for by those who are at least 18 years of age.
REWARDSWhat rewards structure does the Visa Celesta Credit Card offer?
The Visa Celesta Credit Card offers a bespoke 3-2-1 rewards structure: earn 3x reward points on Travel and International spends, 2x reward points on Dining category spends, and 1x reward points on all other categories. This accelerated rewards program is designed to maximize benefits for frequent travellers and those who dine out regularly. You can check and redeem your reward points at federalrewards.in.
BENEFITSWhat is the welcome benefit offered on the Visa Celesta Credit Card?
As a welcome benefit, new Visa Celesta Credit Cardholders receive an Amazon Pay e-Voucher worth ₹600 upon making a minimum spend of ₹10,000 within the first 30 days of card issuance. This is a great way to kickstart your card usage and enjoy immediate value from your new card. Terms and conditions apply.
BENEFITSWhat lounge access benefits are available with the Visa Celesta Credit Card?
The Visa Celesta Credit Card offers complimentary lounge access benefits: you get 2 complimentary International Lounge visits per year without any spend criteria. For Domestic Lounge access, you need to spend INR 60,000 or more in a quarter to enjoy 2 complimentary domestic lounge visits in the subsequent quarter. Terms and conditions apply. Please refer to the Airport Lounge Offer Terms & Conditions for complete details.
INTERNATIONALWhat is the foreign currency markup fee on the Visa Celesta Credit Card?
The Visa Celesta Credit Card charges a foreign currency markup fee of 2% on all international/foreign currency transactions. This fee is applied whenever you use your card for transactions in a foreign currency, whether travelling abroad or making international purchases online. It is advisable to factor in this cost when planning international travel or foreign currency spends.
BENEFITSWhat is the fuel surcharge waiver benefit on the Visa Celesta Credit Card?
The Visa Celesta Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This benefit applies regardless of which fuel station you visit in the country, helping you save on every fuel transaction. This waiver makes the card particularly useful for those who regularly commute or travel by road. Terms and conditions apply.
BENEFITSDoes the Visa Celesta Credit Card offer any movie benefits?
Yes, the Visa Celesta Credit Card offers a Buy One Get One (BOGO) offer on INOX movie tickets once a month. This means you can get one movie ticket free when you purchase one at INOX theatres, allowing you to enjoy movies with a companion at half the cost. This benefit is available once per month. Terms and conditions apply.
FEESWhat is the Annual Percentage Rate (APR) on the Visa Celesta Credit Card?
The Visa Celesta Credit Card features a dynamic Annual Percentage Rate (APR) starting from 1.99% per month (23.88% per annum). The actual rate can range from 1.99% to 3.75% per month (equivalent to 23.88% to 45% per annum) and is linked to your Average Monthly Balance (AMB) in your operative account and your overall banking relationship with Federal Bank. Please refer to the Most Important Terms & Conditions (MITC) for a detailed schedule of charges.
APPLICATIONHow can I apply for the Visa Celesta Credit Card?
You can apply for the Visa Celesta Credit Card online by visiting Federal Bank's credit card onboarding platform and clicking on 'Apply Now.' Fill in the required details and submit your application. You will receive updates via email and SMS. You will typically need to provide your PAN, Aadhaar Card, last 3 months' bank statements (PDF format), and Income Tax login credentials if you are self-employed or non-salaried.
DOCUMENTSWhat documents are required to apply for the Visa Celesta Credit Card?
The following documents are typically required when applying for the Visa Celesta Credit Card online: PAN card, Aadhaar Card, last 3 months' bank statements in PDF format (for salaried individuals, the salary-crediting bank account statement is required), and Income Tax login credentials for non-salaried or self-employed applicants. Ensure all documents are current and accurate to avoid delays in processing your application.
USAGEWhat is the cash withdrawal limit for the Visa Celesta Credit Card?
The Visa Celesta Credit Card has a cash advance limit of 25% of the total credit limit. This means you can withdraw up to 25% of your sanctioned credit limit as cash from ATMs. Please note that cash withdrawals are subject to applicable interest charges and a cash withdrawal fee from the date of transaction. It is advisable to use cash withdrawal only in emergencies due to the associated costs.
REWARDSHow can I redeem reward points earned on the Visa Celesta Credit Card?
You can track and redeem reward points earned on your Visa Celesta Credit Card by visiting federalrewards.in. A nominal convenience fee, with a minimum of ₹99, will be charged per redemption request. The actual redemption fee will be displayed at the time of redemption based on the category selected. Points can be redeemed across various options available on the rewards portal.
CANCELLATIONCan I cancel my Visa Celesta Credit Card, and how?
Yes, you can cancel your Visa Celesta Credit Card at any time by contacting Federal Bank's customer care or visiting the nearest branch. Before cancellation, ensure that all outstanding dues are cleared, applicable reward points are redeemed, and no auto-debit or standing instructions are linked to the card. You can reach customer care at toll-free numbers 1800-420-1199 or 1800-425-1199.
BENEFITSWhat Visa offers and deals are available with the Visa Celesta Credit Card?
The Visa Celesta Credit Card gives you access to a wide variety of exclusive Visa offers and deals across multiple categories including travel, food and dining, shopping, sports, entertainment, lifestyle, and much more. These ongoing offers are available through Visa's global network of partner merchants. You can check the latest offers by visiting the Federal Bank credit card offers page or the Visa offers portal.

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