Federal Bank Visa Celesta Credit Card

The following are the key details of the Federal Bank Visa Celesta Credit Card:

Welcome Gift

• Amazon Pay e-Voucher worth Rs. 600.
• Valid on a minimum spend of Rs. 10,000 in the first 30 days of card issuance.

Movie Offer

• Buy One Get One (BOGO) on INOX movie tickets. 
• Offer is valid once a month.

3-2-1 Rewards Structure

• Get 3x rewards on spends for travel and international categories.
• Get 2x rewards on the dining category. 
• Get 1x rewards for other categories.

Complimentary Lounge Access 

• 2 international airport lounge access in a year without any spend criteria. 
• Spend Rs. 60,000 or more in a quarter to get 2 domestic lounge visits in the next quarter.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India.
• Applicable on spends between Rs. 400 to Rs. 5,000.
• Maximum waiver of up to Rs. 150 per month.

Other Benefits

• Get access to a wide variety of Visa offers and deals on travel, food and dining, shopping, sports, entertainment, lifestyle, etc.
• Low mark-up fee of 2% on foreign transactions.
• Lowest dynamic conversion fee of 2%.

Lifetime Free Credit Card

• No membership fee and no joining fee.
• It is a limited-period offer w.e.f 3rd April 2023.

• Joining fee: Nil.
• Annual fee: Nil.
• Annual Percentage Rate (APR): 0.69% - 3.75% p.m. (8.28% - 45% p.a.).
• Foreign currency transactions: 2% on foreign transactions.
• Reissue of lost/ stolen/ damaged card: Rs. 200 + applicable taxes for card reissue/ replacement.
• Reward redemption charges: Minimum Rs. 99 per redemption request.
• Add-on card fee: Rs. 100 per card (maximum 4 cards).
• Cash advance fee: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Cash payment fee: Rs. 100.
• Dynamic conversion fee: 2%.
• Late payment charges: Up to Rs. 1,250.
• Cheque return/ dishonour/ auto-debit reversal charges: 2% of the payment amount (minimum Rs. 450).
• Overlimit charges: 2.5% of the over-limit amount (minimum Rs. 500).
• Rent payment charges: 1% of the total transaction amount on rental transactions + applicable taxes.
• Credit card loan processing pre-closure charges: Up to 3% + GST.
• Outstation cheque processing fee: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for cheque value above Rs. 5,000.
• TDS on withdrawals above Rs. 1 Crore: 2% to 5%.
• Wallet loading charges: 1% of the transaction amount + applicable taxes.

The following are the eligibility criteria for the Federal Bank Visa Celesta Credit Card:

• Age: The applicant must be at least 18 years old when applying for a Secured Federal Credit Card and 21 years old when applying for an Unsecured Federal Credit Card. 
• Nationality: When applying for the card in India, the applicant must be either an Indian resident or a Non-Resident Indian (NRI).
• Credit history: A good credit history helps the applicant get a credit card easily.

Some of the documents required to apply for a Federal Bank credit card online are listed below:

• Aadhar Card
• PAN
• Last 3 months’ bank statement (PDF format) of salary bank account (for salaried)
• Income Tax Login Credentials (for non-salaried/ self-employed clients)

To apply for a Federal Bank RuPay Credit Card online, visit Federal Bank’s credit card onboarding platform and follow these steps:

• Click on the "Apply Now" button.
• Fill in the required details. 
• Submit your card application.
• You will get updates through emails and messages. 
• You can also apply offline from any Federal Bank branch.