Federal Bank Celesta Credit Card
Federal Bank · Visa Infinite
Why this card?
- Earns reward points — the issuer does not clearly publish their rupee value
- ₹4,999 joining and annual fee
- Unlimited domestic and 2 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Federal Bank
- Network
- Visa Infinite
- Annual Fee
- ₹4,999
- Joining Fee
- ₹4,999
- Reward Type
- points
- Best Reward Rate
- 5% on domestic and international travel bookings
- Forex Markup
- 2%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹2,00,000
- Rates verified
- 2026-10-06
Our verdict
We could not confirm this card is still on sale on the issuer's site; check before applying. Federal Bank Celesta is a premium card with unlimited domestic lounge access, 2 international lounge visits, and a 2% forex markup for a ₹4,999 annual fee. It is a smaller-bank alternative to HDFC Infinia and Axis Reserve, with a lower fee but a narrower set of international travel benefits.
Pros
- Unlimited domestic lounge access, plus 2 international lounge visits
- 2% forex markup — below the 3.5% many Indian credit cards charge
- Visa Infinite network
- Fuel surcharge waiver
Cons
- Federal Bank is a smaller bank — card support ecosystem is less developed than HDFC/Axis
- ₹4,999 fee with no fee waiver spend — must extract value from lounge and forex savings
- International lounge access is limited to 2 visits, so heavy international travellers may want a different card
- ₹2 lakh/month minimum income requirement — highly restrictive eligibility