All Cards
visaclassiccredit
Federal Bank Visa Celesta Credit Card
Federal Bank
moviestravel
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1% points
Foreign Markup
2%
Interest Rate
0.69% per month
Welcome Benefits
Amazon Gift Vouchers Worth ₹600
Product Highlights
- Lifetime free credit card
- Welcome gift of an Amazon voucher worth ₹600
- 3X Reward Points on travel and international categories
- 2X Reward Points on dining
- 1X Reward Points on all other categories
Rewards
Earn 3 Reward Points on every ₹100 spent on travel and international categories, 2 Reward Points on every ₹100 spent on dining, and 1 Reward Point on every ₹100 spent on other categories.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 3%(3X Reward Points) | No cap |
dining | 2%(2X Reward Points) | No cap |
other | 1%(1X Reward Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| INOX | 2X Reward Points on Dining | offline |
Benefits & Features
Domestic: 2 Times Per Quarter at Domestic Airports (Spends of ₹60,000 in the Previous Quarter) International: 2 complimentary international lounge access every year Access to domestic lounges based on previous quarter spending.
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup2%
Interest Rate0.69% per month
Cash Advance2.5% of Amount Withdrawn or ₹500 Whichever is Higher
Redemption Fee₹99 + GST on Every Redemption Request
Eligibility
Available Networks
visamastercard
Pros & Cons
Pros
- Low forex markup fee of 2%
- Available on Visa and Mastercard network
Cons
- Unsatisfactory reward rate compared to other premium credit cards
- Limited lifestyle offers
Partner Merchants
INOX