Federal Bank Visa Celesta Credit Card

The Federal Bank Visa Celesta Credit Card allows you to enjoy benefits on entertainment, travel and lifestyle. You will earn reward points every time you swipe the credit card.

Key Highlights of the Federal Bank Visa Celesta Credit Card

  1. Enjoy a waiver of 1% on the fuel surcharge when you purchase fuel at any fuel station in India.
  2. You earn 3x reward points on all international spends made with the credit card.
  3. Avail 2 complimentary international lounge visits in one year.
  4. You get up to 15% discounts at partner hotels under the FedDelights programme.
  5. You get 3x reward points on your travel spends.

Features and Benefits of Federal Bank Visa Celesta Credit Card

Welcome benefits

  1. As a welcome gift, you get an Amazon Pay e-voucher which is worth Rs.600.
  2. This voucher will be issued to you when you spend a minimum of Rs.10,000 within the first 30 days of your credit card being issued.

Reward points benefits:

  1. You get 2x reward points on dining spends.
  2. You earn 3x reward points on your travel spends.
  3. Get 3x reward points on international spends.
  4. Earn 1x rewards for spends on other categories.

Fuel benefits:

  1. You get a 1% waiver of the fuel surcharge when you swipe the Federal Bank Visa Celesta Credit Card at any fuel station in India.

Entertainment benefits:

  1. When you buy one INOX movie ticket, you get another movie ticket for free.

Travel and airport lounge benefits:

  1. You get 2 complimentary lounge visits in a year at international airports.
  2. You get 4 complimentary lounge visits every quarter at domestic airports.

Dining benefits:

  1. Through the FedDelights programme, you get up to 15% discount at partner hotels.

Fees and Charges of the Federal Bank Visa Celesta Credit Card

Type of Charge

Fee

Annual fee

Nil

Add-on credit card

Rs.100 per add-on card

Cash advance fee

2.5% of the amount that has been withdrawn or Rs.500 (whichever is higher)

Cash advance limit

30%

Overlimit charges

  1. 2.5% of overlimit amount
  2. This is subject to a minimum of Rs.500

Late payment

  1. Up to Rs.100- NIL
  2. Rs.101 to Rs,500-Rs.100
  3. Rs.501 to Rs.5,000-Rs.500
  4. Rs.5,001 to Rs.10,000-Rs.600
  5. Rs.10,001 to Rs.25,000-Rs.750
  6. Rs.25,001 to Rs.50,000-Rs.950
  7. More than Rs.50,000- Rs.1,000

Returned cheque

2% of the cheque amount, subject to minimum of Rs.450

Outstation cheque processing fee

  1. Cheque value up to Rs.5,000- Rs.25
  2. Cheque value above Rs.5,000- Rs.50

TDS on cash withdrawals (more than Rs.1 crore)

2% applicable on aggregate cash withdrawals

Foreign currency mark-up fee

2%

Rewards redemption fee

Rs.99 per redemption request

Cash payment of fee at Federal Bank branches

Rs.100

Re-issue of credit card

Rs.200

Interest on Revolving Credit for Federal Bank Visa Celesta Credit Card

Average monthly balance (last quarter)

Annual Percentage Rate (APR %)

Up to Rs.50,000

41.88% (3.49% per month)

Rs.50,000 to Rs.3 lakh

30.00% (2.49% per month)

Rs.3,00,001 to Rs.10 lakh

18.00% (1.49% per month)

Over Rs.10 lakh

5.88% (0.49% per month)

FAQs on Federal Bank Visa Celesta Credit Card

  • How many times can I avail the 'buy one, get one free' movie ticket benefit?

    You can avail the benefit only once a month.

  • How many add-on credit cards can I get?

    You can get up to 3 add-on credit cards.

  • What is the minimum repayment amount for the credit card?

    The minimum repayment amount is 5% of the amount due or a minimum of Rs.100.

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