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Federal Bank
Federal Bank Visa Celesta Credit Card
Visa
Federal Bank Visa Celesta Credit Card
A lifetime-free travel-oriented card from Federal Bank (a limited-period fee waiver) offering low forex markup, international lounge access, and elevated travel/dining rewards, aimed at HNI customers.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Reward rates by category
- Travel3%
- Dining2%
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2 complimentary international lounge visits a year with no spend criteria, plus 2 domestic lounge visits per quarter on Rs 60,000+ quarterly spend
- Low 2% forex markup, among the lowest of Federal Bank's cards
- 3x reward points on travel and international spends, 2x on dining
Pros
- + Lifetime free (currently)
- + Low 2% forex markup
- + International lounge access with no spend condition
Cons
- − Zero-fee positioning is a limited-period offer and may change
- − Domestic lounge access requires a high quarterly spend
- − Federal Bank has faced RBI restrictions on some co-branded card lines, so terms can shift
Applying takes you to Federal Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.