Federal Bank · Scored card guide

Federal Bank Visa Celesta

Conservative base points, ₹0.10 cash value after one redemption fee. This estimate counts issuer base points only, not all variant perks.

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Where it pays

Base earning is 1 Federal Reward Point per ₹100 eligible retail. This model deliberately omits 3x/2x MCC accelerators, milestone vouchers and first-transaction offers. Cash credited to the card is ₹0.10/point effective 15 July 2024, not the ₹0.25 issuer catalogue value. It assumes one purchase each month, projects 12 months of points, and deducts one ₹99 plus estimated GST redemption fee only if cash value exceeds the fee. The issuer does not publish a universal redemption-point minimum here; whether a small balance can actually be redeemed remains unverified. Fuel, government, wallet loading, rent, financial/quasi-cash and cash transactions excluded; insurance point cap not modeled. Cards onboarded since 3 April 2023 have no joining or annual membership fee. Source MITC: https://www.federalbank.co.in/credit-cards-mitc ; KFS: https://www.federalbank.co.in/-/credit-cards-general-terms-and-conditions-1 .

Modeled fee: zero first-year joining/annual card fee for new eligible customers. If points are redeemed for cash, one ₹99 fee plus estimated 18% GST is deducted. At low spend the ability to redeem is unverified, so the estimate shows no cash value if the projected fee exceeds earnings.

Issuer source

https://www.federalbank.co.in/visa-celesta-credit-card

Checked 27 Sep 2026. Confirm current rate, merchant code and reward redemption terms before applying.

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