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Federal Bank
Federal Bank Mastercard Celesta Credit Card
Mastercard
Federal Bank Mastercard Celesta Credit Card
The Mastercard-network twin of Federal Bank's Visa Celesta — identical lifetime-free fee structure and reward rates, but swaps Visa-exclusive deals for Mastercard's Shop Perks cashback program.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Premium
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
3% reward rate · 2 complimentary international lounge visits a year with no spend criteria, plus 2 domestic lounge visits per quarter on ₹60,000+ quarterly spend
- 🌍 Forex / international spend
Low 2% forex markup, among the lowest of Federal Bank's cards · 2% forex markup on international transactions
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 ₹60,000+ quarterly spend
- Low 2% forex markup, among the lowest of Federal Bank's cards
- Mastercard Shop Perks cashback offers across partner brands, in place of the Visa Celesta variant's Visa-exclusive deals
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