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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% |
| Est. Monthly Reward (₹) | 10 | 30 | 65 | 180 | 385 |
| All-India Rewards Rank* | 139 | 188 | 249 | 305 | 306 |
| Within Bank Rank* | 4 | 2 | 2 | 1 | 1 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Federal Bank Visa Celesta Credit Card gives 0.75% effective reward on travel & foreign spending, 0.50% on dining and 0.25% on all other spending.
Overall, we estimate you can earn a net reward yield of 0.2-0.4% on all spending with this card in a month.
The net rewards yield on all credit cards from Federal Bank is quite low and we do not recommend any of those credit cards.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Federal Bank Visa Celesta Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 3 Reward Points / ₹100 on: – Travel – Foreign Spends 2 Reward Points / ₹100 on Dining 1 Reward Point / ₹100 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – 15% discount on dining through FedDelights program
– 1 Complimentary Domestic Airport Lounge access / Qtr. – 2 Complimentary International Airport Lounge access / Year – 1+1 Movie tickets at INOX (up to ₹100) |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem for vouchers at Federal Rewardz
1RP = ₹0.25 |
| Card | Federal Bank Visa Celesta Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 41.88% | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% transaction amount minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
