Federal Bank Celesta
Federal Bank · Checked 2026-10-09
Federal Bank Celesta is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
CardIQ editorial view
Our take
Federal Bank Celesta is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 3X rewards on eligible travel and international spending.
- 2 domestic lounge visits in the following quarter require ₹60,000 quarterly spend; 2 international visits per year need no spending threshold.
- Current acquisition offer waives joining and annual fees for customers onboarded from 3 April 2023; confirm applicability.
Trade-offs to understand
- Base earn: 1 Federal Rewards point per ₹100; accelerated multipliers apply only to the listed eligible categories.
- 2X rewards on eligible dining and base rewards on other eligible categories; points are not cash at face value.
- 2 domestic lounge visits in the following quarter require ₹60,000 quarterly spend; 2 international visits per year need no spending threshold.
CardIQ verdict
A sensible long-term choice when you want travel benefits, dining rewards and airport lounge access without a recurring membership charge. Check this condition before applying: Base earn: 1 Federal Rewards point per ₹100; accelerated multipliers apply only to the listed eligible categories.
Compare before deciding
- IDFC FIRST Select — A similarly priced alternative for comparing airport lounge access and reward points.
- IDFC FIRST Wealth — A similarly priced alternative for comparing airport lounge access and reward points.
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Benefits, limits and conditions
- Base earn: 1 Federal Rewards point per ₹100; accelerated multipliers apply only to the listed eligible categories.
- 2X rewards on eligible dining and base rewards on other eligible categories; points are not cash at face value.
- 2 domestic lounge visits in the following quarter require ₹60,000 quarterly spend; 2 international visits per year need no spending threshold.
- ₹600 Amazon voucher requires ₹10,000 spend within the first 30 days; voucher conditions apply.
- 2% foreign-currency markup, plus applicable taxes.
- 1 point = ₹0.25 for eligible rewards; redemption as cash to the card account is only ₹0.10 per point.
- Current acquisition offer waives joining and annual fees for customers onboarded from 3 April 2023; confirm applicability.