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Federal Bank · Visa / Mastercard · हिन्दी

Federal Bank Celesta Credit Card: full review

The Federal Bank Celesta is a genuinely underrated lifetime free card. The 2% forex, unconditional international lounge access and decent travel rewards make it one of the best free travel cards in India. Ideal as a zero-cost backup for international travellers.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
FEDERAL BANK
VISA
)))
CELESTA
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
3X reward points on travel and international spends (0.75%); 2X dining (0.5%); 1X others (0.25%); 2% forexReward structure
4 domestic visits/quarter (on ₹60,000/quarter spend); 2 international visits/yearLounge access

Key benefits of the Federal Bank Celesta Credit Card

3 reward points per ₹100 on travel bookings and international transactions2 reward points per ₹100 on dining spends1 reward point per ₹100 on all other eligible spends1 RP = ₹0.25; effective 0.75% travel, 0.5% dining, 0.25% base2% low forex markup on international transactions4 domestic lounge visits/quarter on ₹60,000 quarterly spend; 2 international visits/year (unconditional)BOGO movie tickets at INOX (once/month, max ₹100 off)₹600 Amazon Pay welcome voucher on ₹10,000 spend in first 30 daysLifetime free, no joining or annual fee ever
Apply now ↗ Min. income: ₹3L+/year · Credit score: 700+
Pros and cons
Pros
✓ Lifetime free with lounge access and low forex, rare combination
✓ 2 international lounge visits with no spend condition annually
✓ 2% forex best-in-class among lifetime free cards
✓ RBI-regulated scheduled bank, more established than fintech cards
Cons
✗ Reward rate modest vs paid travel cards
✗ Domestic lounge requires ₹60,000 quarterly spend
✗ Federal Bank has limited branch network
✗ INOX movie discount cap of ₹100 is low
Quick facts
Issuer Federal Bank
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/quarter (on ₹60,000/quarter spend); 2 international visits/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceFederal Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Federal Bank Celesta Credit Card is Lifetime free. This card is lifetime free with no annual fee.
The main benefits of the Federal Bank Celesta Credit Card are: 3 reward points per ₹100 on travel bookings and international transactions; 2 reward points per ₹100 on dining spends; 1 reward point per ₹100 on all other eligible spends; 1 RP = ₹0.25; effective 0.75% travel, 0.5% dining, 0.25% base; 2% low forex markup on international transactions; 4 domestic lounge visits/quarter on ₹60,000 quarterly spend; 2 international visits/year (unconditional); BOGO movie tickets at INOX (once/month, max ₹100 off); ₹600 Amazon Pay welcome voucher on ₹10,000 spend in first 30 days; Lifetime free, no joining or annual fee ever.
3X reward points on travel and international spends (0.75%); 2X dining (0.5%); 1X others (0.25%); 2% forex
Federal Bank Celesta Credit Card is best for Lifetime free travel card with low forex markup, lounge access and 20+ transfer partners. The Federal Bank Celesta is a genuinely underrated lifetime free card. The 2% forex, unconditional international lounge access and decent travel rewards make it one of the best free travel cards in India. Ideal as a zero-cost backup for international travellers.
The minimum income requirement for Federal Bank Celesta Credit Card is ₹3L+/year. A minimum credit score of 700+ is also recommended.
Yes, Federal Bank Celesta Credit Card offers 4 domestic visits/quarter (on ₹60,000/quarter spend); 2 international visits/year.
Federal Bank Celesta Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Lifetime Free Credit Cards →Best Premium Credit Cards →
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