Premium Zero Forex

Federal Bank Celesta Credit Card

Name: Federal Bank Celesta Credit Card
Brand: Federal Bank
Price: 2999 INR

Federal Bank

8.5

CardTrail Score

Very Good

out of 10

💰 Net Value

6.2

🔓 Accessibility

6.9

⚡ Feature Depth

7.2

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹2,999

Spend ₹3L/year

Forex Markup

No extra charge

Reward Rate

Up to 5%

Lounge Access

domestic | 4 intl

About This Card

Federal Bank Celesta is a hidden gem — zero forex, 8+4 lounges, and zero joining fee. It rivals IDFC FIRST Wealth in the zero-forex premium segment. Federal Bank's limited infrastructure is the only real concern.

Pros & Cons

Pros

Zero forex at ₹2,999/year
Zero joining fee
Good lounge access
5X on dining/travel

Cons

Federal Bank has limited branch network
Reward ecosystem still developing
Less brand recognition
App experience is average

Fee Details

Annual Fee

₹2,999

Joining Fee

Free

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

3,000 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ Zero forex markup
+ 8+4 lounge visits/quarter
+ 5X on dining and travel
+ Zero joining fee

Compare With...

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9.4

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