Federal Bank · Premium · lifetime free
Celesta
Where it ranks across all 187 cards
#114 Hotels
0.8%
direct
#115 Flights
0.8%
direct
#144 Dining out
0.5%
direct
#70 EMI
0.3%
direct
#86 Insurance
0.3%
direct
#92 Education
0.3%
direct
#99 Utility bills
0.3%
direct
#126 Gaming
0.3%
direct
#127 Jewellery & watches
0.3%
direct
#138 Mobile / broadband
0.3%
direct
#151 Train tickets
0.3%
direct
#157 Cabs & transit
0.3%
direct
#164 Groceries
0.3%
direct
#165 Health & pharmacy
0.3%
direct
#165 Other
0.3%
direct
#166 Electronics
0.3%
direct
#169 Food delivery
0.3%
direct
#169 Fashion
0.3%
direct
#170 Online shopping
0.3%
direct
#170 Movies & events
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: Federal Bank - Visa Celesta Credit Card - federal.bank.in - read 1 Oct 2026
3 pts / Rs 100 on international spends
0.75%this rule
3 pts / ₹100
source
Source: Federal Bank - Visa Celesta Credit Card - federal.bank.in - read 1 Oct 2026
3 pts / Rs 100 on travel
0.75%this rule
3 pts / ₹100
source
Source: Federal Bank - Visa Celesta Credit Card - federal.bank.in - read 1 Oct 2026
2 pts / Rs 100 on dining
0.50%this rule
2 pts / ₹100
source
Source: Federal Bank - Visa Celesta Credit Card - federal.bank.in - read 1 Oct 2026
Base rate, but capped1
Base rate on insurance spends, capped monthly
base rate
source
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on4 exclusions
Fuel, Government / tax
earns nothing
Fuel and Government Services MCCs earn no reward points.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel, Government / tax · MCCs: 5541, 7983, 5172, 5542, 9399, 4784, 9311, 9222, 9402, 4011, 9405, 9211
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Wallet load
earns nothing
E-wallet loading (and cash transactions) earn no reward points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Rent
earns nothing
Rent payments earn no reward points.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Financial institutions - merchandise and services, Quasi-cash - foreign currency, money orders, crypto +1 more
earns nothing
Financial institution and quasi-cash transactions earn no reward points.
→ use Axis Burgundy Private here (6.4%)
detail & source
MCCs: 6012, 6051, 6050
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.