Federal Bank Celesta Credit Card Review

Federal Bank Celesta Credit Card

Fee

Joining Fee: LTF
Annual Fee: LTF

Type

Rewards

Return

0.25% - 0.75%

Rating

3/5

Payment Network

Visa, Mastercard

Benefits

Domestic Airport Lounge Access, International Airport Lounge Access, Fuel Surcharge Waiver

Lately, Federal Bank has been quite aggressive with merchant and e-commerce offers. Adding a Federal Bank credit card to your wallet is a smart way to take advantage of these offers. There’s another great feature about Federal Bank credit cards: they’re now lifetime free. Our focus in this article is on the Federal Bank Celesta credit card. It is one of the most popular credit cards offered by Federal Bank. You can earn up to three reward points per Rs 100 spent with the Federal Bank Celesta credit card. There is also a fuel surcharge waiver and INOX BOGO offer on the Celesta credit card, as well as complimentary domestic and international airport lounge access.

Fees

Joining FeeLTF
Welcome BenefitRs 600 Amazon Pay GV on minimum spend of Rs.10,000 within 30 days of card issuance
Annual FeeLTF
Renewal BenefitNone
Federal Bank Celesta Credit Card Review: Fees

Rewards

Spend CategoryRewards
Travel and International Spends3 RP/Rs 100 ~0.75%
Dining Spends2 RP/Rs 100 ~0.5%
Other Spends1 RP/Rs 100 ~0.25%
Federal Bank Celesta Credit Card Review: Rewards

The Celesta card does not exactly offer a good reward rate but as we mentioned Federal Bank offers are what may interest you. For instance, Federal Bank runs regular 10% instant discount offers on Amazon, Flipkart and AJIO. Another example is Yatra where we have a flat 15% discount offer on domestic flights for Federal Bank credit cards.

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Complimentary Airport Lounge Access

Complimentary airport lounge access without any spends is a rarity nowadays. This is what makes the airport lounge access quite valuable on the Celesta credit card. You don’t need to spend any minimum amount to access the airport lounges with the Celesta credit card.

  • Domestic Airport Lounge Access: 4 visits/quarter
  • International Airport Lounge Access: 2 visits/year

Other Key Benefits & Charges

  • INOX Movies Offer: Buy One and Get One off valid once per month. The discount is capped at Rs 100. So, not much of a benefit as movie tickets are pricier nowadays.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver
  • Foreign Currency Markup: 2%+GST ~2.36%

Final Thoughts

The Federal Bank Celesta credit card is low on rewards but does one thing quite well, complimentary airport lounge access. That is the best benefit on this card. The other benefit is to take advantage of the merchant offers on e-commerce and travel sites.

But, do note that Federal Bank allows only one credit card per customer. So, if you already have an OneCard with Federal Bank or Scapia card then you cannot apply for this one.

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Federal Bank Celesta Credit Card

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