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Federal Bank

Federal Celesta

VisaMidPoints
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Annual Fee

₹999

Reward Type

Points

Forex

2.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹1,50,000)
Min Monthly Income₹35,000

Rewards

Reward TypePoints
Base Rate0.75%
Point Value₹0.25/point

Category Multipliers

online3%dining3%

Redemption Values

vouchers₹0.25/pt
statement credit₹0.2/pt

Travel & Global

Forex Markup2.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

HDFC Diners Club Rewardz (100%) →Amex MRCC (97%) →Axis Bank Neo (97%) →IDFC FIRST Millennia (97%) →IndusInd Tiger (97%) →

💡 Fee Waiver Strategy

Spend ₹1.5L to waive fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 0.75%, you need to spend ₹1,33,200 annually.

🎯 Pro Tips

  • ▸4 domestic lounge visits at ₹999 fee is good value
  • ▸3X on dining and online is decent for the price

🔄 Redemption Pathways - Value per Point

MethodValue
Gift VouchersBEST₹0.25/pt

🏷️ Best For

lifestylediningshopping