Federal Bank Celesta Visa Credit Card: Instant Approval and Benefits

Card Highlights:

  • Lifetime Free: No annual fee.
  • Lounge Access: 4 domestic lounges per quarter and 2 international lounges per year.
  • Credit Limit: ₹5 Lakhs.
  • Welcome Benefit: Amazon voucher worth ₹600.

Reward Structure:

  • Reward Rate: 1 point = 25 paise (0.75 paise per ₹100 on travel category).
  • Cash Redemption: 1 point = 10 paise (maximum cashback of 30 paise per ₹100).
  • Activation Benefits: Up to 10x reward points.

Additional Perks:

  • Buy one get one movie ticket offer.
  • 1% fuel surcharge on fuel spends.
  • Accelerated reward points: 3 points on travel, 2 points on dining, 1 point on all other spends.

Note: While the reward rate is on the lower side, the lounge access and welcome benefits make it a solid choice for travel enthusiasts.