cards / credit / federal bank / federal-celesta-credit-card
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§ BENEFITS
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited visits
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
Unlimited visits
Complimentary Golf Rounds
Complimentary golf games at premium courses across India
12 rounds/year
5 Reward Points per ₹100
Earn 5 reward points on every ₹100 spent across all categories
5 RP/₹100
24/7 Concierge Service
Dedicated concierge desk for travel, dining, and lifestyle assistance
24/7 access
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹18,00,000
- Min monthly salary
- ₹1,50,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Plus GST
† Plus GST, waived on ₹10L annual spend
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- —
- Other bank free / month
- 3
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹300
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹1,00,00,000
- Permanent disability
- ₹1,00,00,000
- Air accident
- ₹1,00,00,000
- Travel insurance
- ₹50,00,000
- Baggage
- ₹1,00,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹2,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- Federal Reward Points
- Earn rate
- 5 RP per ₹100 on all spends
- Point value
- ₹0.25
- Effective cashback
- 1.25%
- Min redemption
- 500 pts
- Expiry
- Valid for 3 years
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Federal Bank and earns no commission on applications.