Federal Bank VISA Celesta Credit Card Review

Author And Publisher: Gyro 3.o
19.12.2025 11:42 AM - Comment(s)

Federal Bank VISA Celesta Credit Card

Federal Bank VISA Celesta Credit Card
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Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

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

introduction

Federal Bank's VISA Celesta Credit Card is a lifestyle-focused card designed for travel enthusiasts and professionals seeking premium benefits without annual costs. This lifetime-free card delivers value through zero joining and annual fees, 3-2-1 rewards structure (3X travel/international, 2X dining, 1X others), ₹600 Amazon Pay e-Voucher welcome benefit, BOGO INOX movie offers monthly, 1% fuel surcharge waiver, 2% forex markup, complimentary international lounge access (2 annually) and conditional domestic lounge access (₹60K quarterly spend = 2 visits next quarter).

key features and benefits


Welcome Benefits

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

  • Zero Joining Fee.

Reward Structure

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

  • Dining spends: 2 Reward Points per ₹100.

  • Other spends: 1 Reward Point per ₹100.

Airport Lounge Access

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

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

movie Perks

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

visa offers

  • access to a wide variety of Visa offers and deals, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
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Fees And Charge Table

Card Essential

  •  Type: Reward's Points
  •  Welcome Benefits:  amazon voucher*
  • Joining Fee : LTF
  •   Annual Fee: LTF
  •  Reward Structure: Rewards on SPENDS
  •  Renewal Benefit: n/a
  •  Interest Rate: 1.99% p.m. (23.88% p.a.)
  •   Forex Mark-up: 2% + TAXS
  •   Cash Advance Charges: 2.5% of withdrawal amount, minimum of ₹500 
  •   Over Limit Charges: 2.5% of overlimit amount, minimum of ₹500 
  •   Wallet Transactions  Charges: 1% + GST 
  •  Rental Transactions  Charges : 1% + GST
  •  Utility Transactions  Charges: ----
  •   Education Fee Payment Charges: ----
  • Railway Ticket Purchase Fee: ----
  •  Fuel Surcharge Waiver: 1% 

Rewards and Benefits Analysis

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

Summary – Real Value (Travel Professional)

Annual Spend: ₹1,80,000

Breakdown of Benefits:Travel/International: ₹525

  • Dining: ₹250

  • Other: ₹150

  • Welcome voucher: ₹600

  • Fuel surcharge waiver: ₹1,200

  • Lounge access (8–10 visits): ₹12,000–16,000

  • BOGO movies: ₹1,200–2,400

Total Year 1 Value: ₹15,900–17,900+


Extras: 2% forex markup, fuel waiver, lifetime free card.

Practical Considerations

  • Fees & Charges Summary:

    • Zero joining and annual fees throughout lifetime.

    • 2% forex markup.

    • APR 1.99% p.m. (23.88% 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.

  • Those prioritizing lifetime-free positioning.

Final Thoughts

  • Strengths:

    • Lifetime free (zero joining/annual fees).

    • 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).

Additional Tips for Applicants

  • Plan travel strategy: Maximize 3X earning through airline tickets, hotel bookings, travel platform spending.

  • Domestic lounge planning: Achieve ₹60K quarterly spend (₹5K/month) for 2 lounge visits next quarter.

  • Movie rewards: Schedule monthly BOGO offers around family outings.

  • Best Usage: Consolidate travel via card; maximize dining 2X; achieve lounge spend thresholds; redeem welcome voucher within 30 days; settle full balance monthly.

CDMS EXPERT ADVICE

While the Federal Bank VISA Celesta Credit Card offers strong travel value with lifetime-free benefits, users must prioritize disciplined spending and timely full-bill payments to avoid interest buildup. Manage your credit smartly—optimize rewards, curb debt, and explore repayment solutions atcashon.cards.

This review offers a clear and balanced overview of The Federal Bank VISA 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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