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Federal BankDebit card

Federal Bank Mastercard Celesta Contactless Debit Card

A premium Federal Bank debit card for Celesta savings customers with high daily limits and domestic/international lounge access.

First-party evidencePublished researchReviewed September 9, 2026Active
Cost / chargesStandard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
Linked accountRequires an eligible Celesta Savings Account relationship.
Transaction limits₹1 lakh daily cash withdrawal and ₹6 lakh daily shopping limit; ₹7 lakh combined total shown on the reviewed page.
Core benefitsContactless payments, 8 domestic lounge visits per year (two per quarter) and 4 international lounge visits per year under reviewed card terms.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

1 first-party source
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 8, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesStandard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
02 · Linked accountRequires an eligible Celesta Savings Account relationship.
03 · Transaction limits₹1 lakh daily cash withdrawal and ₹6 lakh daily shopping limit; ₹7 lakh combined total shown on the reviewed page.
04 · Core benefitsContactless payments, 8 domestic lounge visits per year (two per quarter) and 4 international lounge visits per year under reviewed card terms.
Exact product-type evidence

Debit card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Source-dated lounge entitlement

Current lounge access conditions

Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.

Domestic airport8 complimentary domestic airport lounge visits per year, capped at 2 per quarter.
International airport4 complimentary international airport lounge visits per year.
Railway loungeNo railway-lounge entitlement is stated on the reviewed current Celesta Debit Card page.
Visit quotaDomestic: 2 per quarter / 8 per year. International: 4 per year.
QualificationRequires an eligible Celesta Savings Account / active Celesta debit-card relationship. The reviewed lounge FAQ does not state a separate quarterly card-spend threshold.
Network / programmeFederal Bank / Mastercard participating domestic and international airport lounge programme.
Access methodThe linked account must be KYC-compliant and active; relevant domestic/international/e-commerce/contactless card features must be enabled as needed, at least one PIN-based debit transaction must have been completed, sufficient balance must be available for authentication, and the complimentary facility is for the departure phase.
Guest / add-onNo complimentary guest quota is stated on the reviewed Celesta card page.
Beyond allowanceVisits beyond the published complimentary quotas are not treated as free and remain subject to the participating lounge/network terms.
Effective stateCurrent reviewed terms
Scope checks
  • The bank's operational FAQ requires card/account readiness in addition to holding the correct card.
  • The lounge facility is described for departure; arrival/layover access should not be assumed from the published entitlement.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesStandard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
Linked accountRequires an eligible Celesta Savings Account relationship.
Core benefitsContactless payments, 8 domestic lounge visits per year (two per quarter) and 4 international lounge visits per year under reviewed card terms.
Transaction limits₹1 lakh daily cash withdrawal and ₹6 lakh daily shopping limit; ₹7 lakh combined total shown on the reviewed page.
EligibilityResident account holders of eligible Celesta Savings Account schemes under current bank rules.
Account relationshipPremium debit card tied to the Federal Bank Celesta savings relationship.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Federal Bank Celesta relationship customers who want high transaction limits and meaningful airport-lounge access.

Verify before relying
  • The AMC waiver requires annual card spend above the current threshold.
  • Lounge programme terms and participating lounges can change.
  • The Celesta account relationship itself has separate eligibility/balance economics.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Available to Fed Smart account

Federal Bank Fed Smart Savings Account

Federal Bank lists Fed Smart among the savings-account schemes eligible for its Celesta Contactless Debit Card.

Eligibility means the account can qualify for the card; it does not mean every Fed Smart holder is automatically issued Celesta without the bank's card-request/issuance process.Verify relationship at bank ↗
Available to Imperio account

Federal Bank Imperio Savings Account

Federal Bank lists Imperio among the savings-account schemes eligible for its Celesta Contactless Debit Card.

The bank separately operates an Imperio-branded debit proposition, so the Celesta eligibility edge should not be read as a claim that every Imperio customer receives Celesta by default.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.