{
  "id": "federal-celesta-credit-card",
  "locale": "en",
  "name": "Federal Bank Celesta Credit Card",
  "bank": "Federal Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "2 Complimentary International Lounges/year (No spend criteria) + 8 Domestic Lounges (2/qtr on ₹60k spend)",
  "rewardsRate": "3X Rewards on Travel & International · 2X on Dining · 1X Other · 2.0% Reduced Forex Markup",
  "bestFor": "International travel, dining experiences, reduced forex markup (2.0%), and airport lounges with zero fee",
  "officialLink": "https://www.federal.bank.in/mastercard-celesta-credit-card",
  "aiVerdict": {
    "score": 7.2,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "federal-celesta-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Federal Bank — Celesta Credit Card official schedule of charges and MITC",
    "Federal Bank Rewards — 3-2-1 travel rewards, 2% forex markup & international lounge terms"
  ],
  "feeWaiver": "Lifetime Free (No annual spend condition)",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Foreign Currency Markup",
      "value": "2.0% + GST (Reduced)"
    },
    {
      "key": "Travel & International",
      "value": "3X Rewards (3 Points / ₹100)"
    },
    {
      "key": "International Lounges",
      "value": "2 visits / year (Unconditional)"
    },
    {
      "key": "Domestic Lounges",
      "value": "8 visits / year (2/qtr on ₹60k spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹600 Amazon Pay e-Voucher"
    }
  ],
  "earnRates": [
    {
      "category": "Travel & International Foreign Spends (3X)",
      "rate": "0.75% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (₹750 value)"
    },
    {
      "category": "Restaurant & Online Dining (2X)",
      "rate": "0.50% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "All Other Domestic Retail Spends (1X)",
      "rate": "0.25% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Travel & Foreign Spends",
      "multiplier": "3×",
      "rate": "0.75%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 points per ₹100 on airlines, hotels, and international currencies."
    },
    {
      "channel": "Dining & Restaurants",
      "multiplier": "2×",
      "rate": "0.50%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 points per ₹100 on restaurant dining and food delivery."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Gift Cards & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Travel & Hotel Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.20 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for 1% surcharge waiver only).",
    "Cash advance withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "Dynamic 1.99% to 3.75% per month (23.88% to 45.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "2.00% + GST (Reduced)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 to 60 years), Self-Employed (25 to 65 years)"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹75,000+ per month (Salaried) or ₹10L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended for premium tier approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}