Federal Bank Celesta Credit Card – Charges, Benefits, Apply

Introduction to Federal Bank Celesta Credit Card – The Celesta Credit Card, offered by Federal Bank, stands as a beacon of financial empowerment and convenience in the realm of credit cards. With a plethora of features, benefits, and rewards, it caters to the diverse needs and aspirations of modern consumers. This comprehensive review delves into the intricacies of the Celesta Credit Card, elucidating its offerings and advantages.

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Table of Content

Overview

Federal Bank, an Amazing Premium Credit Card in the banking industry, introduces the Celesta Credit Card as a testament to its commitment to customer-centric innovation. Launched with a vision to redefine the credit card experience, Celesta embodies a perfect blend of sophistication, utility, and value. Its seamless integration with the Federal Bank ecosystem ensures a seamless banking experience for cardholders.

Overview Table

AspectDescription
Card TypePremium Credit Card
IssuerFederal Bank
Launch DateLimited-period offer from 3rd April 2023
Membership FeeNo membership fee or joining fee (for customers onboarded with effect from 3rd April 2023)
Rewards ProgramTailored rewards program with accelerated points on Travel, Dining, and International spends
Welcome Offer₹600 Amazon Pay e-Voucher upon spending ₹10,000 within the first 30 days
EntertainmentMonthly Buy One Get One (BOGO) offers on INOX movie tickets
Fuel Surcharge1% fuel surcharge waiver at all fuel stations across India
Lounge AccessComplimentary lounge access twice a year at international airports, four times per quarter at domestic airports
Foreign TransactionsReduced markup fee of 2% on foreign transactions
EligibilityIndian residents and Non-Resident Indians (NRIs), 21 years old or above, with a good credit history
ApplyApply online through Federal Bank website, mobile app, or designated bank branches

Federal Bank Celesta Credit Card

Federal Bank Celesta Credit Card

The Federal Bank Celesta Credit Card epitomizes exclusivity and excellence, catering to the discerning needs of individuals seeking unparalleled financial solutions. Crafted with precision and attention to detail, this premium offering promises a world of privileges and benefits. From bespoke rewards programs to concierge services, Celesta redefines the benchmarks of luxury and convenience in the credit card landscape.

Benefits

Sure, here are the benefits of the Federal Bank Celesta Credit Card in a more concise format:

  1. Tailored Rewards: Earn extra points on Travel, Dining, and International spends.
  2. Welcome Offer: Get a ₹600 Amazon Pay e-Voucher for spending ₹10,000 in the first 30 days.
  3. Entertainment Perks: Enjoy monthly BOGO offers on INOX movie tickets.
  4. Fuel Surcharge Waiver: Save 1% on fuel expenses at all Indian fuel stations.
  5. Lounge Access: Access airport lounges twice a year internationally and four times quarterly domestically.
  6. Reduced Foreign Transaction Fees: Pay only a 2% markup fee on foreign transactions.
  7. Exclusive Visa Offers: Access special deals in travel, dining, shopping, and lifestyle.
  8. No Joining or Membership Fees: Enjoy premium benefits without extra fees.
  9. Concierge Services: Get personalized assistance for travel and dining reservations.
  10. Flexible Rewards Redemption: Redeem points for travel, merchandise, vouchers, and more.

Celesta Credit Card Features

  1. Complimentary Lounge Access: Access lounges at domestic and international airports.
  2. Monthly BOGO Offers: Enjoy monthly Buy One Get One deals on INOX movie tickets.
  3. Fuel Surcharge Waiver: Save 1% on fuel expenses at all Indian fuel stations.
  4. Reduced Foreign Transaction Fees: Pay only a 2% markup fee on foreign transactions.
  5. Monthly Amazon Pay e-Voucher Rewards: Receive rewards for monthly spending.
  6. Tailored Rewards Program: Earn extra points on Travel, Dining, and International spends.
  7. Exclusive Visa Offers: Access special deals in travel, dining, shopping, and lifestyle.
  8. No Joining or Membership Fees: Enjoy premium benefits without extra fees.
  9. Concierge Services: Get personalized assistance for travel and dining reservations.
  10. Flexible Rewards Redemption: Redeem points for travel, merchandise, vouchers, and more.

The Charges and fees with the Federal Celesta Credit Card

Charge / FeeDescription
Joining FeeRs. 3000/- (No membership fee or joining fee (for customers onboarded with effect from 3rd April 2023)
Annual Membership FeeRs. 3000/- (No membership fee or joining fee (for customers onboarded with effect from 3rd April 2023)
Cash Advance Charges2.5% of amount withdrawn or Rs. 500, whichever is higher
Late Payment ChargesRanges from Rs. 0 to Rs. 1000 depending on outstanding balance
Charges on Over Limit Account2.5% of over-limit amount, minimum of Rs. 500/-
Fee for Cash PaymentRs. 100/-
Rewards Redemption FeeRs. 99/- per redemption request
Reissue of Lost/Stolen CardRs. 200/-
Foreign Currency TransactionsCross currency mark-up: 2%
GSTApplicable on all fees, interest, and charges at rates notified by the Government of India

Federal Bank Celesta Credit Card Eligibility Criteria

To be eligible for the Celesta Credit Card, applicants must meet the following criteria:

  1. Age: Applicants must be at least 21 years old at the time of application.
  2. Credit History: A good credit history reflecting responsible credit usage is preferred.
  3. Residency: Both Indian residents and Non-Resident Indians (NRIs) are eligible to apply.

Applicants meeting these criteria can apply for the Celesta Credit Card to enjoy its exclusive benefits and rewards.


Eligibility CriteriaDescription
AgeMinimum 21 years old
Credit HistoryGood credit history preferred
ResidencyIndian residents and Non-Resident Indians

How to Apply for the Celesta Credit Card

  1. Research: Begin by researching the features, benefits, and eligibility criteria of the Celesta Credit Card offered by Federal Bank. Ensure it aligns with your financial needs and lifestyle.
  2. Check Eligibility: Review the eligibility criteria, including age, credit history, and residency requirements, to determine if you qualify for the card.
  3. Gather Documents: Collect the necessary documents such as proof of identity, address, income, and any other documents required by the bank for the application process.
  4. Visit the Federal Bank Website: Navigate to the official website of Federal Bank to access the Celesta Credit Card application page.
  5. Fill Application Form: Complete the online application form with accurate personal, financial, and contact information as per the instructions provided.
  6. Upload Documents: Upload scanned copies of the required documents, ensuring they meet the specified file size and format requirements.
  7. Review Application: Double-check all the information provided in the application form for accuracy and completeness before submitting.
  8. Submit Application: Once you’re satisfied with the details, submit the application form along with the uploaded documents through the bank’s website.
  9. Wait for Approval: After submitting the application, wait for the bank to review and process your application. This may take some time, so be patient.
  10. Receive Card: If your application is approved, you will receive the Celesta Credit Card at the address provided in the application form.
  11. Activate the card as per the instructions provided by the bank, and you’re ready to start using your new credit card.

More

Beyond its core offerings, Celesta Credit Card continues to innovate and evolve to meet the dynamic needs of its clientele. From personalized customer service to innovative digital banking solutions, Federal Bank remains committed to enhancing the Celesta experience. As a trusted partner in your financial journey, Celesta Credit Card stands as a symbol of trust, reliability, and excellence in the ever-changing landscape of banking and finance.

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