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Key Features & Benefits
- ✦4 Reward Points per ₹100 on dining, travel & shopping
- ✦2 Reward Points per ₹100 on all other eligible spends
- ✦2 domestic lounge visits per quarter (8/year)
- ✦2 international lounge visits per year
- ✦Dining discounts at 300+ partner restaurants
- ✦Movie offers at BookMyShow
- ✦Annual fee waiver on ₹5L spend
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Welcome & Joining Benefits
- ✦Welcome vouchers on card activation
Milestone Benefits
- ✦₹5L annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓4X on dining/travel/shopping — competitive for the fee
- ✓8 domestic lounge visits/year
- ✓International lounge included
✗ Disadvantages
- ✗3.5% forex — not ideal for international use
- ✗Federal Bank has fewer branches than large banks
Frequently Asked Questions
Is Federal Bank Celesta widely available?
Federal Bank has strong presence in South India and Kerala especially. The Celesta card is available nationwide but Federal Bank's branch network is smaller than HDFC/SBI. Digital management via FedMobile app.
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