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 Fee | LTF |
| Welcome Benefit | Rs 600 Amazon Pay GV on minimum spend of Rs.10,000 within 30 days of card issuance |
| Annual Fee | LTF |
| Renewal Benefit | None |
Rewards
| Spend Category | Rewards |
|---|---|
| Travel and International Spends | 3 RP/Rs 100 ~0.75% |
| Dining Spends | 2 RP/Rs 100 ~0.5% |
| Other Spends | 1 RP/Rs 100 ~0.25% |
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.
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.
- u003cstrongu003eDomestic Airport Lounge Access:u003c/strongu003e 4 visits/quarter
- u003cstrongu003eInternational Airport Lounge Access:u003c/strongu003e 2 visits/year
Other Key Benefits & Charges
- u003cstrongu003eINOX Movies Offer:u003c/strongu003e 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.
- u003cstrongu003eFuel Surcharge Waiver:u003c/strongu003e 1% fuel surcharge waiver
- u003cstrongu003eForeign Currency Markup:u003c/strongu003e 2%+GST u003cemu003e~2.36%u003c/emu003e
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.
Federal Bank Celesta Credit Card
