Federal Bank Visa Celesta Credit Card: Features & Apply

Summary

The Federal Bank Visa Celesta Credit Card is a premium credit card suited for the luxury enthusiast, traveler, and special privilege hunter. It provides reward points, cash back, travel benefits, and dining, shopping, and fuel benefits. The card rewards you with 3 reward points for every ₹100 domestic retail transaction and 5 reward points for every ₹100 spent abroad, thus making every spend rewarding.

One of the best advantages of this card is its complimentary airport lounge access, where card members can enjoy 2 complimentary lounge visits per quarter at domestic and international airports. The card also offers travel insurance coverage against lost luggage, flight delay, and personal accidents so that a person can travel with complete fearlessness and without anxiety.

For everyday shoppers and eaters, the card offers exclusive discounts at finest restaurants and luxury brands. The card also includes a 1% exemption of fuel surcharge on transactions ranging from ₹400 to ₹5,000, which helps cardholders save money on fuel expenses. Moreover, the forex markup charge of 3.5% is minimum, keeping overseas transactions inexpensive.

Introduction

Federal Bank Visa Celesta Credit Card is a luxury credit card for people who fancy luxury, travel, and the luxuries of the high class. The card has a host of features like complimentary access to lounge facilities in airports, travel insurance, cashback, and reward points. If you frequently travel, dine at expensive restaurants, or shop often at expensive brands, this card can be a great addition to your wallet.

Each of your purchases rewards you with award points that will be used towards redeeming on interesting gifts, coupons and discount. The card also provides a cash back to some merchant types like dining, travels, and e-commerce as a reward on your transactions.

One of the most significant benefits of this card is its contactless payment that makes instant, secure transactions without any swiping or insertion. For frequent travelers for travel, the fuel surcharge waiver facility at some petrol pumps in India helps to save the cost of fuel bills. The travel benefits include free domestic and international lounge passes, offering relaxation while traveling.

It is simple to get Federal Bank Visa Celesta Credit Card and can be availed online as well as offline. It requires a good credit score and steady income. The bank will request documents such as ID proof, address proof, and proof of income for verification.

Once you get approved, you can then begin to utilize the high-end privileges and premium rewards of this card. Whether shopping, dining, or traveling, you will enjoy much value for money and special privileges in this card, and therefore it is an excellent option for anyone who wishes to have a high-end credit card.

What is the Federal Bank Visa Celesta Credit Card?

The Federal Bank Visa Celesta Credit Card is a high-end credit card for luxury lovers, travelers, and privilege seekers. It provides rewards, cashback, and discounts on shopping, dining, and travel. You can enjoy free lounge access at airports, travel insurance, and fuel surcharge waivers with this card.

It also has contactless payment for speedy and secure payment. If you prefer a premium experience and wish to earn additional perks when shopping, this credit card may be perfect for you.

What is the design of the Federal Bank Visa Celesta Credit Card?

Federal Bank Visa Celesta Credit Card features a high-end and sleek design that oozes opulence. The card features black and gold color designs with reflective finish, which bears a costly and refined appearance. Visa logo sits at the left bottom, with Federal Bank placed above.

It includes an embedded chip to make payments secure and enable contactless payments, making it easier to tap and pay. On the whole, the design is sleek and stylish, making it perfect for users who value a premium and refined credit card.

What are the benefits of the Federal Bank Visa Celesta Credit Card?

These are the salient features with real reward points:

• Reward Points on Each Transaction – Get 3 reward points for every ₹100 of retail transaction and 5 reward points for every ₹100 in international transactions.

• Free Airport Lounge Visit – Reap 2 free lounge visits every quarter at domestic and international airports.

• Fuel Surcharge Waiver – Avail 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions at Indian fuel pumps.

• Dining & Shopping Offers – Avail special discounts and offers at large restaurants and leading shopping brands.

• Contactless Payment & Security – Pay instantly and securely via the tap-and-pay facility of the card and fraud protection for safe transactions.

• Travel Insurance Benefits – Get covered against lost luggage, flight delays, and accidents, which adds an added level of security to your travels.

• Low Forex Markup Fees – As low as 3.5% foreign exchange markup on transactions overseas, a great choice for frequent travelers.

What are the fees for the Federal Bank Visa Celesta Credit Card?

Here is a simple Federal Bank Visa Celesta Credit Card fee breakup.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	3.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Federal Bank Visa Celesta Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Federal Bank Visa Celesta Credit Card?

The documents that you will have to submit to Get a Federal Bank Visa Celesta Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Federal Bank Visa Celesta Credit Card be used?

Here is the list of places where you can use it:

• With the Federal Celesta Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Federal Visa Celesta Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Federal Visa Celesta Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Federal Bank Visa Celesta Credit Card?

The credit limit of the Federal Bank Visa Celesta Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Federal Bank once you have made your application.

How do you apply for a Federal Bank Visa Celesta Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of Federal Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Federal Bank; for instance, you can choose the Federal Bank Visa Celesta Credit Card.

• Just hover your cursor on the Federal Bank Visa Celesta Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Federal Bank branch to apply for the Federal Bank Visa Celesta Credit Card.

• Request for the credit card application form for the Federal Bank Visa Celesta Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Federal Bank Visa Celesta Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Federal Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Federal Bank Visa Celesta Credit Card in 2025 be right?

Yes, getting a Federal Bank Visa Celesta Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Federal Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The Federal Bank Visa Celesta Credit Card is an ideal pick for those who want to live a credit card life of luxury and reward. With its high-end features, such as visits to airport lounges, high reward points, cashback, and selective discounts, this card enriches your lifestyle and makes every purchase worthwhile. If you are an avid traveler, regular high-end restaurant diner, and aficionado of high-end brands, then this card is perfect for you with great benefits matching your lifestyle.

The largest advantage of this card is the reward points scheme, wherein you earn points on every transaction, additional rewards for international transactions, and the points can be used to claim thrilling gifts, vouchers, and discounts, thus giving you increased value for money spent. The elimination of the fuel surcharge also saves you on gas, and the minimal forex markup fee means that foreign spending is within reach.

Security is also an important aspect of this Credit card. It has contactless payment capability, which offers simple and secure payments. The card also comes with fraud protection and card replacement in case of an emergency, offering the consumer additional confidence while shopping. The travel insurance feature also offers a protective layer, including the refund of lost baggage, flight cancellations, and accidents.

Frequently Asked Questions (FAQ’s)