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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
Federal
Signature
•••• •••• •••• 0000
Celesta Signature
VISAFederal Bank • Visa• Signature
Annual Fee
Free
Base Reward Rate
0.25%
Foreign Tx Fee
2%
Tier
Signature
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹60,000 per quarter
2 complimentary domestic visits per quarter (Visa Lounge program). Activation: ₹60,000 spend in PREVIOUS quarter. ⚠️ SOURCE CONFLICT: CardMaven says 4/qtr no activation (older data). MMM (Visa variant) + Federal official (Mastercard variant) both confirm 2/qtr ₹60K — keeping DB.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,920
Blended 0.31% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Federal Bank Celesta Signature (Visa). LIFETIME FREE since 3-Apr-2023 — ₹0 joining / ₹0 annual / Up to 4 add-ons @ ₹100 each. Welcome: ₹600 Amazon Pay e-Voucher on ₹10,000 spend within first 30 days. Rewards: 1 RP/₹100 base (~0.25%); 3× on Travel + International; 2× on Dining. Point value not officially published (assume ~₹0.25/pt for catalog). Min ₹99+GST per redemption. **Lounges:** International 2/yr (NO spend criteria — walk-in ready). Domestic 2/qtr requires ₹60,000+ in PREVIOUS quarter. INOX BOGO movie ticket 1/month, capped ₹100 (low cap). Fuel surcharge waiver 1% on ₹400-5,000 txns, ₹150/month cap. Forex 2% + GST = 2.36% (lower than most premium cards). Visa merchant offers across travel/dining/shopping. Note: Federal Bank also issues a Mastercard Celesta variant with identical benefits. **Constraint: Only 1 Federal Bank credit card allowed per customer.** APR 0.69-3.75%/mo. Cash advance 2.5% (min ₹500). Late payment up to ₹1,250. Eligibility: 21+ unsecured (18+ secured), ₹2L+/mo salary, resident/NRI.
✓ No activation spend required — access is unconditional.
2 complimentary international airport lounge visits per year. NO spend criteria — walk-in ready. Program likely Priority Pass (not explicitly stated by Federal Bank).