Federal Bank MASTERCARD Celesta Credit Card Review

Author And Publisher: Gyro 3.o
22.12.2025 01:25 PM - Comment(s)

Federal Bank MASTERCARD Celesta Credit Card

Federal Bank MASTERCARD Celesta Credit Card
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Federal Bank Mastercard Celesta Credit Card Review: 
​ Travel Card with 3X Travel Rewards, 
​₹600 Welcome Voucher & Domestic Lounge Access

introduction

Federal Bank Mastercard Celesta Credit Card is a travel‑oriented rewards card designed for frequent flyers and diners who want extra value on planned lifestyle spends. It offers a 3‑2‑1 reward structure on travel, international, dining, and other expenses, along with lounge access, fuel waiver, movie benefits, and a welcome voucher, making it suitable for disciplined users who pay their bills in full each month.

key features and benefits


Welcome Benefits

  • ₹600 Amazon Pay e-Voucher on ₹10,000 spend within 30 days.

Reward Structure

  • Travel & International spends: 3 Reward Points per ₹100.

  • Dining spends: 2 Reward Points per ₹100.

  • Other spends: 1 Reward Point per ₹100.

movie Perks

  • Monthly BOGO INOX Offer: Buy one, get one free movie ticket once/month.

Airport Lounge Access

  • International Lounge Visits: 2 Complimentary International Lounge access annually.

  • Domestic Lounge Access: 2 visits per quarter on ₹60,000+ quarterly spend.

mastercard offers

  • Ongoing attractive cashback offers, across various brands through our Federal Bank Mastercard Shop Perks program.
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Fees And Charge Table

Card Essential

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Type:- Reward's Points

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 Welcome Benefits:-  amazon voucher*

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Joining Fee :- ₹3,000 + GST

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  Annual Fee:- ₹3,000 + GST

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 Reward Structure:- Rewards on SPENDS

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 Renewal Benefit:- n/a

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 Interest Rate:- 1.99% p.m. (23.88% p.a.) to 3.49% p.m. (41.88% p.a.)

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  Forex Mark-up:- 2% + TAXS

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  Cash Advance Charges:- 2.5% of withdrawal amount, minimum of ₹500 

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  Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹500 

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  Wallet Transactions  Charges:- 1% + GST 

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 Rental Transactions  Charges :- 1% + GST

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 Utility Transactions  Charges:- ----

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  Education Fee Payment Charges:- ----

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Railway Ticket Purchase Fee:- ----

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 Fuel Surcharge Waiver:- 1% 


Rewards and Benefits Analysis

  • Best for: Travel enthusiasts, frequent flyers, diners seeking affordable lifestyle benefits.

  • value example: Total Year 1 Value (for ₹1,80,000 spend): ₹15,900–₹17,900+ (Travel/International: ₹525 | Dining: ₹250 | Other: ₹150 | Welcome voucher: ₹600 | Fuel surcharge waiver: ₹1,200 | Lounge access: ₹12,000–₹16,000 | BOGO movies: ₹1,200–₹2,400).

Practical Considerations

  • Fees & Charges Summary:

    • joining fee: ₹3,000 ; annual fee: ₹3,000

    • 2% forex markup.

    • APR from 1.99% p.m. (23.88% p.a.) to 3.49% p.m. (41.88% p.a.).

  • Eligibility:

    • Age: 21+ years.

    • nationality: indian resident.

    • Documentation: PAN, Aadhaar, bank statements, ITR.

  • Limitations:

    • 1X base earning (1 RP/₹100) modest for non-priority spends.

    • Domestic lounge requires ₹60K quarterly spend (not automatic).

    • 3X limited to travel/international only.

Redemption Options

  • Federal Rewards Portal:
    • Points redeemable for vouchers, cashback, shopping, travel.
  • Best Value Strategy:

    • Maximize 3X travel rewards through airline bookings.

    • Leverage 2X dining for regular restaurant/delivery spending.

    • Achieve ₹60K quarterly for domestic lounge access.

    • Redeem welcome ₹600 voucher on first transaction.

Ideal User Profile

  • Travel professionals with regular business trips.

Final Thoughts

Strengths:

  • 3X travel rewards exceptional for business/leisure travel.

  • ₹600 welcome voucher immediate value.

  • 2X dining with BOGO monthly movie offers.

  • 2 international lounges complimentary annually.

Limitations:

  • 1X base earning modest (vs 4X+ competitors).

  • Domestic lounge requires ₹60K quarterly (conditional).

  • 3X limited to 2 categories (travel/international).

  • No premium lifestyle benefits (golf, concierge).

verdit:
Federal Bank Mastercard Celesta is a rewards‑focused credit card with a simple 3‑2‑1 structure on travel, international, dining, and other spends plus lifestyle perks like lounge access, fuel waiver, and movie offers. It also offers a reduced 2% forex markup and a ₹600 Amazon Pay welcome voucher on achieving the initial spend milestone.

CDMS EXPERT ADVICE

This review offers a clear and balanced overview of The Federal Bank Mastercard Celesta Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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