Federal Bank Mastercard Celesta Credit Card
Federal Bank · Annual fee not published
A Mastercard with 3-2-1 rewards, lounge access and a 2% forex markup.
What the bank says
- 3X rewards on travel and international spends, 2X on dining and 1X on everything else
- 2 international lounge visits a year with no spend condition; 2 domestic visits in a quarter after spending ₹60,000 in the previous quarter
- Reduced forex markup of 2%
- Amazon Pay voucher worth ₹600 on spending ₹10,000 in 30 days
- BOGO on INOX movie tickets once a month
- 1% fuel surcharge waiver
Things that catch people out
- Federal Bank’s page does not say how many points a rupee earns or what a point is worth, so the multiples cannot be turned into rupees and the card is not ranked.
- Federal’s fee table sits behind a tab we could not read, so no fee is shown.
Joining fee: not published.
Foreign currency markup: 2%.
The facts
- Annual fee: not published
- Fee waived at: no waiver published
- Domestic lounge visits: 8 a year
- Minimum income: not published
Read from Federal Bank’s own page on 2026-09-30.
More from Federal Bank
All Federal Bank credit cards · All 538 cards · Which card pays you the most?