Federal Bank Visa Celesta
Rewards & Benefits
Welcome Benefits
Users will get an Amazon Pay e-Voucher worth ₹600 on a minimum spend of Rs.10,000 in the first 30 days.
Milestone Benefits
Cashback Rate
1 Federal Reward Point = INR 0.25.
You will get 1 reward point on a spend of INR 100.
3x rewards on spending for travel and international categories, cashback rate: 0.75%.
2x rewards on spending for dining categories, cashback rate: 0.50%.
1x points on all other categories, cashback rate: 0.25%.
Movie Benefits
Buy One Get One offer on INOX movie tickets, once a month.
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
INR 0
Annual Fee
Annual membership fee: INR 0.
Cash Advance Fee
2.5% of amount withdrawn or Rs. 500 whichever is higher.�
Interest rate
Depends on your bank balance maintained in Federal Bank Saving Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001- 10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).
Late Payment Fee
Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.
Foreign Currency Transactions Fee
International Forex Markup: 2%
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500. | 1% Fuel surcharge on all fuel transactions (waiver on spends between Rs.400/- to Rs.5000/- on all petrol pumps for Celesta category up to Rs.150/- per month).
दोष
Low cashback rate.
Welcome Benefit: Users will get an Amazon Pay e-Voucher worth ₹600 on a minimum spend of Rs.10,000 in the first 30 days.
RewardSystem: 1 Federal Reward Point = INR 0.25 You will get 1 reward point on a spend of INR 100. 3x rewards on spending for travel and international categories, cashback rate: 0.75%. 2x rewards on spending for dining categories, cashback rate: 0.50%. 1x points on all other categories, cashback rate: 0.25%.
Buy One Get One offer on INOX movie tickets, once a month.
Complimentary lounge access at airports, twice a year at International airports and 4 times per quarter at domestic airports.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Minimum age of the card holders should be 18.
Only Indian residents can apply.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Online:
Visit the Federal Bank website and go to the Credit Cards section.
Click on the Apply Now button for the Federal Bank Visa Celesta credit card.
Fill in the online application form with your personal and financial details.
Submit the application form and wait for approval.
Required documents:
Proof of identity (Aadhaar card, PAN card, or passport).
Proof of income (salary slips, bank statements, or income tax returns).
Proof of address (Aadhaar card, bank statement, or utility bill).
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will get an Amazon Pay e-Voucher worth ₹600 on a minimum spend of Rs.10,000 in the first 30 days.
RewardSystem: 1 Federal Reward Point = INR 0.25 You will get 1 reward point on a spend of INR 100. 3x rewards on spending for travel and international categories, cashback rate: 0.75%. 2x rewards on spending for dining categories, cashback rate: 0.50%. 1x points on all other categories, cashback rate: 0.25%.
Buy One Get One offer on INOX movie tickets, once a month.
Complimentary lounge access at airports, twice a year at International airports and 4 times per quarter at domestic airports.
Low cashback rate.
Overall, the Federal Bank Visa Celesta Credit Card offers a well-rounded package of rewards, benefits, and features suitable for premium lifestyle seekers and frequent travelers. However, the high annual fee, limited reward rate on non-focused categories, and high interest rate are limitations to consider. If you have lower spending, prioritize specific features like travel insurance or wider redemption options, or prefer lower annual fees, explore other premium cards in the market.
Overall, the Federal Bank Visa Celesta Credit Card offers a well-rounded package of rewards, benefits, and features suitable for premium lifestyle seekers and frequent travelers. However, the high annual fee, limited reward rate on non-focused categories, and high interest rate are limitations to consider. If you have lower spending, prioritize specific features like travel insurance or wider redemption options, or prefer lower annual fees, explore other premium cards in the market.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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