उत्पाद विवरण
बैंक का नाम
Federal Bank
खाता नाम
Celesta
खाते का प्रकार
Savings Account
ब्याज दर
For balance upto 50 Lakhs: 3%.
निःशुल्क डेबिट कार्ड
Celesta Debit Card
खाता खोलने का शुल्क
0
वार्षिक रखरखाव शुल्क
0
Minimum Account Balance
Average monthly balance of Rs. 10 lakhs.
डेबिट कार्ड शुल्क
Not specified by the bank.
एनईएफटी शुल्क
Free online
आईएमपीएस शुल्क
Free online
फीस और शुल्क
Celesta
विशेष लक्षण
Users will get complimentary Domestic & International airport lounge access.
Users will get assured 15% off on Food & Dining.
Users will get 50% concessions in processing fees for retail loans (Housing / Car loan) subject to a cap of ₹ 10,000.
Users will get waiver of AMC on Demat account for lifetime.
Users will get a concession of 50% subject to a cap of ₹ 2000 on locker rent.
Users can earn 5X reward points (up to 1000 points) on all eligible transactions during the birthday month.
Users will get accidental death cover and air accidental cover of 300 lakhs.
A welcome reward of 5000 bonus reward points will be credited to Federal Reward balance on the first spend (a minimum spend of ₹ 1000 or above) on the Federal Bank Celesta debit card.
पात्रता मापदंड
Celesta provides contemporary best in class offerings and a Beyond Banking experience. Any individual (Resident or NRI) can join Celesta, satisfying any of the following criteria:
Average Monthly Balance of Rs. 10 Lakhs in savings account
Cumulative Average Monthly Balance of Rs. 10 Lakhs across all savings accounts
Average Monthly Balance of Rs. 5 Lakhs across all savings account + Rs. 25 Lakhs as Fixed Deposit
Total Relationship value of Rs 1 Crore
For Resident Salary Customers: Salary credit of Rs. 2 Lakhs or more in salary account
Family Monthly Average Balance of Rs 10 Lakhs across all savings accounts in Family ID
Family Monthly Average Balance of Rs. 5 Lakhs across all savings accounts in Family ID + Rs. 25 Lakhs as Fixed Deposit
Family Total Relationship Value of Rs 1 Crore
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
Customer can include a maximum of 4 members as part of the Family Banking Program. Family is defined as Spouse, Father, Mother, Son, Daughter, Father-in-law, Mother-in-law and Siblings.
Users will get daily shopping limit of ₹ 6 lakhs (Applicable for all retail POS / ECOM transaction).
Users will get daily ATM withdrawal limit of ₹ 1 Lakh.
Users will get reward points on all debit card spends.
Users will get complimentary Golf access.
Users will get complimentary Domestic & International airport lounge access.
Users will get assured 15% off on Food & Dining.
Users will get 50% concessions in processing fees for retail loans (Housing / Car loan) subject to a cap of ₹ 10,000.
Users will get waiver of AMC on Demat account for lifetime.
Users will get a concession of 50% subject to a cap of ₹ 2000 on locker rent.
Users can earn 5X reward points (up to 1000 points) on all eligible transactions during the birthday month.
Users will get accidental death cover and air accidental cover of 300 lakhs.
A welcome reward of 5000 bonus reward points will be credited to Federal Reward balance on the first spend (a minimum spend of ₹ 1000 or above) on the Federal Bank Celesta debit card.
दोष
Very high average balance requirements.
Low interest rates.
Application Procedure
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पैराग्राफ़ टेक्स्ट जोड़ें। फ़ॉन्ट, आकार और अन्य जानकारी अपडेट करने के लिए “टेक्स्ट संपादित करें” पर क्लिक करें। टेक्स्ट थीम बदलने और पुनः उपयोग करने के लिए, साइट स्टाइल पर जाएँ।
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
You can open a savings account with Federal Bank either online or offline. Here's a breakdown of both methods:
Online Method
Visit the Federal Bank website: Go to the official Federal Bank website and click on the "Open an Account" option.
Select customer category: Choose the appropriate customer category, such as personal banking, NRI banking, or business banking.
Fill in details: Provide your full name, email address, and mobile number in the online form and submit it.
Receive email: You will receive an email with the Account Opening Form (AOF) and a list of required documents.
Submit documents: Print and fill out the form, attach your photograph, and submit it along with the necessary KYC documents at the nearest Federal Bank branch.
Collect welcome kit: Once the KYC verification is complete, you will receive your account opening kit from the bank.
Offline Method
Visit a branch: Visit the nearest Federal Bank branch.
Fill out the form: Obtain and fill out the account opening form.
Submit documents: Submit the form along with self-attested copies of your PAN card and Aadhaar card.
Deposit initial amount: Deposit the required initial amount (if it's not a zero-balance account).
Account confirmation: The bank will open your account and confirm the details via SMS and email.