Federal Bank Visa Celesta Credit Card

Federal Bank · Lifetime free

A free Visa card 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
• No membership fee and no joining fee
• 2 international lounge visits a year with no spend condition; 2 domestic visits in a quarter after spending ₹60,000 in the previous quarter
• Forex markup of 2%
• Amazon Pay voucher worth ₹600 on spending ₹10,000 in 30 days
• 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.

Joining fee: ₹0. Foreign currency markup: 2%.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: 8 a year
• Minimum income: not published

Read from Federal Bank’s own page on 2026-09-30.

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