Federal Bank Celesta Credit Card: A Comprehensive 2025 Guide

Due to frequent traveling, it was essential for Raj to have a credit card that satisfies his lifestyle and spending habits. And he found his perfect match with the Federal Bank Visa Celesta Credit Card. With every travel or international spend, Raj earned 3X points, making his travels even more rewarding. So, is he eating out? He earned 2X points. 

Additionally, he enjoyed a 1% fuel surcharge waiver on all fuel purchases across India. In addition, the card rewarded him with two free international lounge visits every year so that Raj could relax before his flights. Up to 15% discounts at partner hotels and a welcome ₹600 Amazon Pay e-voucher after qualifying spends. For each buy, Raj got to unlock more value and savings!

What Is a Federal Bank Celesta Credit Card?

The Federal Bank Visa Celesta Credit Card rewards you across the travel, lifestyle, and entertainment categories. The card has points on each transaction; you could receive 3X in travel or international spending, 2X in the dining sector, and 1X elsewhere. Besides these, a fuel surcharge of 1% is being offered at India-based fuel stations. 

You get two free international lounge visits annually, up to 15% discounts at partner hotels, and a welcome gift like an Amazon Pay e-voucher. Enjoy these rewards and savings with every use!

Services offered by Federal Bank Visa Celesta Credit Card

Here’s a table summarizing the services provided by the Federal Bank Visa Celesta Credit Card:

Reward Structure in Federal Bank Celesta Credit Card

The Federal Bank Celesta credit card gives you rewards like this

• 3 points for every spend on travel and international purchases
• 2 points for every spend on dining
• 1 point for every spend on everything else

Let’s Understand It with An Example: Assume That You Spend the Following in A Month:

1. Travel/International spend: You have booked a flight for ₹10,000.

• Since this is a travel expense, you will get 3 points for every ₹100 spent.
• So, for ₹10,000, you will get:

₹10,000 ÷ ₹100 = 100

100 × 3 points = 300 points.

2. Dining: You have visited a restaurant and spent ₹2,000.

• Dining gives you 2 points for every ₹100 spent.
• So, for ₹2,000, you will get:

₹2,000 ÷ ₹100 = 20

20 × 2 points = 40 points.

Other purchases: You purchase groceries worth ₹5,000.

• Now, for other purchases, you earn 1 point for every ₹100 you spend.
• Therefore, for ₹5,000, you will earn:

₹5,000 ÷ ₹100 = 50

50 × 1 point = 50 points.

Add up the points from all your purchases now:

Travel: 300 points

Dining: 40 points

Other: 50 points

Total points earned = 300 + 40 + 50 = 390 points.

So, you would earn a total of 390 reward points if spending ₹17,000 in these categories.

Welcome Benefits of the Federal Bank Celesta Credit Card

The Federal Bank Visa Celesta Credit Card rewards you with a ₹600 Amazon Pay e-voucher as an offer. The voucher is to be availed only after making a minimum spending of ₹10,000 in the first 30 days following the card issuance.

Let's understand with an example:

You receive your Federal Bank Visa Celesta Credit Card.

You need to spend at least ₹10,000 within 30 days of receiving the card to get the ₹600 Amazon Pay e-voucher.

Example:

Day 1: You get your card.

You spend over the next 30 days on the following items:

• ₹3,000 on shopping
• ₹4,000 on dining
• ₹3,000 on groceries

Total spend = ₹3,000 + ₹4,000 + ₹3,000 = ₹10,000.

Since you spent ₹10,000 in the last 30 days, you are now eligible for the Amazon Pay e-voucher worth ₹600. You will receive it credited to your account, which you can spend on Amazon Pay.

Exclusive Discounts and Offers on Federal Bank Celesta Credit Card

The Federal Bank Visa Celesta Credit Card offers several attractive discounts and offers:

• Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges at all fuel stations across India, making fuel purchases more affordable.

• Dining Discount: Enjoy a 15% discount at partner hotels under the FedDelights program, saving money when dining out at participating restaurants and hotels.

• Reward Points: You receive 3 times the reward points for international spending, travel-related expenses, and grocery/healthcare. For this purpose, the above three categories are more rewarding than others. Elsewhere, you earn 1 point for every ₹100.

• Complimentary Airport Lounge Access: Up to 2 free international airport lounge visits annually, when you can rest and unwind before the flight.

• Buy One, Get One Free Movie Tickets: You get to enjoy Buy One, Get Rs.100 off on the second ticket at INOX movies once a month, which is excellent for movie buffs.
  
  
• Get an Amazon Pay e-voucher: Get it entirely free when you hit spending targets, giving you extra motivation for online purchases.

• Complimentary Big Basket Vouchers: Get complimentary Big Basket vouchers every time you spend ₹50,000 in a quarter so that you can reduce your grocery bills.

Annual Percentage Rate (APR) and Charges on Federal Bank Visa Celesta Credit Card

Here’s the information summarized in a table format

What are late payment charges?

Here’s the late payment charge information in a table format

Credit Card EMI and Balance Transfer Facility:

Federal Bank's credit card facilitates two beneficial facilities: EMI (Equated Monthly Installment) and Balance Transfer.

Credit Card EMI: Through the EMI facility, users can transform their purchases into monthly installments. 

• You can transform unrated purchases (those not added to your credit card bill yet) or settled purchases (already billed and paid). 
• You can choose EMI for the particular purchases or the outstanding balance. 

However, if you close the card before you finish the chosen EMI tenure, the bank charges foreclosure fees to the customer. In case of a missed or partial payment, the bank charges late payments and adds interest on the remaining EMIs.

Balance Transfer Facility: The balance transfer facility enables cardholders to transfer their credit card dues to another card. This helps to manage outstanding balances more efficiently, especially if you have good terms or a lower interest rate on the new card. 

The cardholder must initiate the transfer through the card provider's platform. Here, the recipient's card details and the transfer amount are provided.

Both options are flexible, especially in managing payment, but consider any additional charges or interest charged.

Eligibility Criteria:

To apply for the Federal Bank credit card, you must meet the following conditions:

• You must be a resident of India.
• You must be between 18 and 80 years old.
• You need a savings account through Federal Bank.
• You will be required to maintain a minimum fixed deposit amount with the Federal Bank for some period.

Documents Required:

Here are the necessary documents:

• Proof of Identity: Aadhaar Card, Passport, Driving License, Voter ID Card, or any other government-issued ID.
• Proof of Address: Passport, Aadhaar card, driver's license, PAN card, utility bill, or any other government-approved document.
• Proof of Income: Bank statement, salary slip, or audited financial report.

How To Apply for The Federal Bank Celesta Credit Card?

Here’s a step-by-step process on how to apply for a Federal Bank Celesta Credit Card offline:

1. Visit the nearest Federal Bank branch.
2. Ask for a credit card application form
3. Fill out the application form carefully.
4. Submit the application form along with the required documents.

Here’s a step-by-step process on how to apply for a Federal Bank Celesta Credit Card online:

1. Visit the official website of Federal Bank.
2. Click on ‘Apply Online.’
3. Enter your mobile number and captcha, and click ‘Request OTP.’
4. Enter the OTP received on your registered mobile number and click on ‘Submit.’
5. Fill in the details (like PAN number, Passport number, DOB, Name, etc), then click on the ‘Submit’ option.
6. Enter your employment details (like employment type, office address, pin code, city, etc.), then click ‘Next’.
7. Upload your required documents and click on the ‘Submit’ option.
8. Enter the OTP received on your registered mobile number and click the ‘Submit’ option.
9. The bank will automatically retrieve your details.
10. Recheck all the details and click on the ‘Submit’ option.
11. Choose the type of card you wish to apply for.
12. Click on the ‘Select’ option.
13. Fill in your basic details and click on ‘Confirm.’
14. Your virtual card will be provided instantly, and you can download it from FedMobile.
    
    

How to use the Federal Bank app ‘Federal Bank-FedMobile’

1. Download the ‘Federal Bank-FedMobile’ app from the Google Play Store or Apple Play Store.
2. Install the application on your device.
3. Open the app and agree to the terms and conditions by clicking on ‘Agree & Proceed.’
4. Select your preferred language and click on ‘Proceed.’
5. Agree to the terms and conditions and click the ‘Proceed’ option.
6. Select your mobile number.
7. Enter your federal account number and click on ‘Proceed.’
8. Enter your debit card details and click on ‘Proceed.’
9. Create your MPIN and click on ‘Activate.’
10. You’ve successfully registered for the application.

How To Check Your Credit Limit Details?

1. Download the ‘Federal Bank-FedMobile’ app from the Google Play store or Apple Play Store.
2. Install the application on your device.
3. Log into the app by using your credentials.
4. Go to the Credit Cards tab.
5. Click on Account Summary to see your Available Credit Limit.

Balance Transfer in Federal Bank Credit Card:

Balance transfer allows you to transfer the balance of your other bank credit card to your Federal Bank Credit Card. It is open to credit cardholders of Federal Bank who are eligible for it.

Benefits

• Pay in easy EMIs, which refers to monthly installments
• No processing fees
• No documentation required
• Low interest rates at 0.83% per month, 9.99% per year
• Easy Repayment options of 3 or 6 months

The minimum amount that can be transferred is ₹ 2,500, while the maximum transferable amount depends upon your available credit limit, which is Rs. 7,50,000 only.

How to Track Federal Bank Credit Card Application Status Online

By phone:

1. Call Federal Bank credit card customer care at 1800 233 4526.
2. Share your application reference number or any other relevant details.
3. The representative will inform you about the status of your application.

Here's what each status means for your Federal Bank Credit Card application:

• In progress: That means the bank is still processing your application.

• On hold: It means the bank has put your application on hold for some reason, like incomplete documents. They will contact you if they need some more information. And as soon as everything is in order, the process will move forward.
  
  
• Approved: It means that your application has been approved. A credit card will be sent to the very same address shortly.
  
  

• Sent: Your card has been sent. It should reach you within 2-3 working days. Ensure that you are present at the mentioned address since the card will only be delivered to the applicant.
  
  

• Rejected: Application declined as your application does not meet the bank's eligibility requirements. You may receive an SMS stating that your application is denied, but there will be no mention of why it was declined.
  
  

• No record found: Incorrect details entered. Please verify and enter the correct information to know the status.
  
  

Customer Care Details:

Here’s how you can contact Federal Bank credit card customer care:

• Call the toll-free numbers: 1800-425-1199 or 1800-420-1199 (if you’re in India).
• Call +91-484-2630994 if you’re calling from abroad.
• Email them at creditcards@federalbank.co.in.
• Submit a query online through the Federal Bank website.
• For complaints, email the Grievance Redressal Team at support@federalbank.co.in or nrisupport@federalbank.co.in.

Tips for applying for a Federal Bank Celesta Credit Card

• Start with checking your eligibility: You need to be an Indian citizen between the ages of 18 and 70. You could also need a savings account with Federal Bank.

• Get prepared with the necessary documents: Documentation to support proof of identity, address, and income is required.

• Compare features: There is a credit limit, interest rates, and different modes of payment.

• Understand rewards: It gives you 3x rewards for travel and international purchases, 2x rewards for dining, and 1x reward for other purchases.

Conclusion:

Perfect for the traveler who loves to dine and enjoy great rewards, this Federal Bank Visa Celesta Credit Card is all about offering great value with every purchase. This card provides fantastic value by giving 3X points on travel and international spends, 2X points on dining, and a 1% fuel surcharge waiver. The card offers two free international lounge visits, discounts at partner hotels, and a ₹600 Amazon Pay e-voucher as a welcome gift. Plus, with easy EMI options and a balance transfer facility, it's all about convenience and savings. Apply now to match your lifestyle rewards!

FAQs related to Federal Bank Celesta Credit Card:

Q1: What is the billing cycle for Federal Bank Celesta Credit Card?

The federal bank celesta credit card follows a default billing cycle set as the 21st day of every month. The due date is 18 days from the billing date. However, you can change the billing date by contacting customer care.

Q2: Can I pay my credit card bill after the due date?

Yes, you can pay your credit card bill after the due date, but a late fee will be applied. This fee will appear on your next credit card statement.

Q3: What is the unbilled amount of a credit card?

The unbilled amount that is referred to as a credit card is the sum of transactions and expenses made and not yet included in your present statement. It is the charges that will be added to your next billing cycle and will impact your next payment.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?