Features & Benefits

Relax Before You Fly

With Federal Bank’s Complimentary Airport Lounge Access*

Traveling can be hectic, but your journey doesn’t have to be. Federal Bank brings you the comfort and convenience of complimentary airport lounge access with select Debit Cards and Credit Cards, designed to elevate your travel experience from the moment you arrive at the airport.

Why Lounge Access Matters

Whether you're a frequent flyer or an occasional traveler, airport lounges offer a peaceful retreat from the hustle and bustle of crowded terminals. With complimentary access, you can enjoy:

  • Comfortable seating and quiet ambiance
  • Free refreshments and snacks
  • Wi-Fi and charging stations
  • Business facilities for working on the go
  • Clean restrooms and shower facilities (at select lounges)

 

Benefits of Federal Bank Cards

Federal Bank’s Debit and Credit Cards offering lounge access come with a host of benefits:

  • No additional cost for lounge visits
  • Multiple visits per quarter/year
  • Access to premium lounges across India
  • Enhanced travel experience for all types of travelers

 

Why Choose a Card with Lounge Access?

Having a card that offers complimentary lounge access is more than just a perk—it’s a lifestyle upgrade. It reflects your smart financial choices and adds value to your travel. Plus, Federal Bank cards also come with:

  • Reward points on every spend
  • Exclusive merchant offers
  • Global acceptance and security features

*Terms and conditions apply. Lounge access availability may vary by card type and airport.

Debit Cards

As a Federal Bank Debit Card holder, our valued customers can enjoy access to airport lounges across the globe with select card variants.

Lounge Eligibility for Debit Cardholders

This section contains list of Debit Card variants and their corresponding complimentary lounge access limits.

Segment

Debit Card Variant

BIN (First 6-8 Digits of your Debit Card)

Domestic Lounge access (card holder visit)

Domestic Lounge access (Minor member visits)

International Lounge access (card holder visit)

International Lounge access (Minor member visit)

Celesta

Mastercard World

515630

2 per quarter

1 per quarter

4 per year

4 per year

Celesta NRI

Mastercard World NRI

555915

2 per quarter

1 per quarter

4 per year

4 per year

Celesta

Visa Infinite

453795

2 per quarter

1 per quarter

4 per year

4 per year

Premium Current Accounts

Celesta Business

457474

1 per quarter

NIL

NIL

NIL

Imperio

Visa Signature

469353

2 per quarter

NIL

NIL

NIL

Imperio (NRE EVE Plus)

Mastercard Premium

53271167

1 per quarter

NIL

2 per year

NIL

Only Premium Accounts

Rupay Platinum

652181

2 per quarter

NIL

2 per year

NIL

Imperio

Mastercard Premium

532711

1 per quarter

NIL

NIL

NIL

Imperio NRI

Mastercard Premium

532711

1 per quarter

NIL

NIL

NIL

Esteem

Mastercard Esteem

53271175

2 per quarter

Nil

NIL

NIL

Gov Earn

Mastercard Gov Earn

22284401

1 per quarter

Nil

NIL

NIL

Gov Earn Prime

Mastercard Gov Earn Prime

22284400

2 per quarter

Nil

1 per year

NIL

NRE Prospera

Mastercard Prospera

52697888

1 per year

Nil

NIL

NIL

 

Domestic Lounges List
Celesta International Lounges List
Rupay Platinum International Lounges List

 

 

Checklist

Before you enjoy the comfort of airport lounges with your Federal Bank Debit Card, make sure you’re aware of the key steps and conditions. This checklist outlines everything you need to know—from card validation and pre-booking options to eligibility and usage limits—so you can access lounges smoothly and without surprises.

✔Account should be KYC complied.
✔Federal Bank Celesta Debit cardholders must identify themselves as 'LoungeKey' members to lounge staff at the time of their visit in order to access international airport lounges.
✔ Account linked to the card should have sufficient balance for authentication.
✔Before using the card in lounge, customer must successfully complete a debit transaction (In ATM / POS) using PIN number.
✔ For Domestic Lounge Access:Please ensure Card controls like Domestic usage is turned ON and the customers using contactless authentication should turn ON their contactless feature.
✔ For International lounge Access:Please ensure card controls like international usage and ECOM is turned ON and the customers using contactless authentication should turn ON their contactless feature.

Detailed Terms and Conditions

Please click here to view the detailed Terms & Conditions

Credit Cards

As a Federal Bank Credit Card holder, our valued customers can enjoy access to airport lounges across the globe with select card variants.

Lounge Eligibility

Variant-Wise Lounge Access Limits:  The number of complimentary lounge access available per eligible quarter is based on the card variants, as below:

Card Variant

 Quarterly Spend

 Domestic Lounge access Basis Spends Criteria

International Lounge Access

Signet

₹20,000

1 per Quarter

NA

Imperio

₹40,000

2 per Quarter

NA

Celesta

₹60,000

2 per Quarter

2 international lounge access per year without any spends criteria.

Quarterly Spend-Based Eligibility

Complimentary lounge access will be available only to primary Card holders who meet the minimum spend requirement as stated hereunder during the immediately preceding calendar quarter. The applicable spend requirement and access period are outlined below:

Quarterly Spend Cycle*

Complimentary Quarterly Lounge access

Start date

End Date

Start date

End Date

21-Jun

20-Sep

01-Oct

31-Dec

21-Sep

20-Dec

01-Jan

31-Mar

21-Dec

20-Mar

01-Apr

30-Jun

21-Mar

20-Jun

01-Jul

30-Sep

 

Domestic Lounges List
Celesta International Lounges List

 

Checklist

Before you enjoy the comfort of airport lounges with your Federal Bank Credit Card, make sure you’re aware of the key steps and conditions. This checklist outlines everything you need to know—from card validation and pre-booking options to eligibility and usage limits—so you can access lounges smoothly and without surprises.

✔ For Domestic Lounge Access: Please ensure Card controls like Domestic usage is turned ON and the customers using contactless authentication should turn ON their contactless feature.
✔ For International lounge Access:Please ensure card controls like international usage and ECOM is turned ON and the customers using contactless authentication should turn ON their contactless feature.
✔ Federal Bank Celesta Credit cardholders must identify themselves as 'LoungeKey' members to lounge staff at the time of their visit in order to access international airport lounges.

Detailed Terms and Conditions

 Please click here to view the detailed Terms & Conditions

Frequently Asked Questions- Complimentary Airport Lounge Access Program

1. Which cards offer lounge access?

Federal Bank offers complimentary lounge access based on quarterly spends on:

  1. Signet (Visa/Mastercard/RuPay)
  2. Imperio (Visa/Mastercard)
  3. Celesta (Visa/Mastercard)

2. What is the eligibility criteria?

Lounge access is now linked to quarterly spending:

Card Variant

 Quarterly Spend

 Domestic Lounge access Basis Spends Criteria

International Lounge Access

Signet

₹20,000

1 per Quarter

NA

Imperio

₹40,000

2 per Quarter

NA

Celesta

₹60,000

2 per Quarter

2 international lounge access per year without any spends criteria.

Only primary cardholders qualify. Add-on cardholders are not eligible.

3. How does the spend cycle work?

Quarterly Spend Cycle*

Complimentary Quarterly Lounge access

Start date

End Date

Start date

End Date

21-Jun

20-Sep

01-Oct

31-Dec

21-Sep

20-Dec

01-Jan

31-Mar

21-Dec

20-Mar

01-Apr

30-Jun

21-Mar

20-Jun

01-Jul

30-Sep

 

Example: A Signet primary credit cardholder is spending Rs. 20000/- in between 21st Jun to 20th Sep, the customer will be eligible for 1 complimentary domestic lounge access in the next quarter i.e 1st Oct to 31st Dec.

4. What transactions don’t count?

Cash withdrawals, ATM transactions & Unsettled transactions billed outside the spend cycle.

5. How do I access a lounge?

  1. Present your boarding pass
  2. Swipe your eligible card at the lounge entrance
  3. A nominal fee (₹2 for domestic) may be charged for validation which will be non- refundable whereas in case of international lounge access customers will be charged as per lounge charges and the same will be reimbursed within 30 days. After customers have exceeded the complimentary access, the applicable lounge access fee (plus taxes) will be charged to their account.

6. Can primary cardholder bring guest?

Yes, primary cardholder can bring guest at domestic/international lounge as per the applicable rates + taxes per visit for each guest.

7. Whether Add on holder be eligible for Lounge Benefits?

Add on Holders will not be eligible for Lounge Benefits from 1st Oct’25

8. Whether Add On holder spends be considered in spends criteria?

Yes, the spends done via Add on holder and Primary Credit Card will be considered as cumulative spends for availing the lounge benefit in next quarter. But the Add on cardholder will not be eligible for accessing Lounge Benefit.

Example: If a Signet customer is spending (21st Jun to 20th Sep) Rs. 5000 in Primary credit card and 15000 in Add on cardholder in a quarter, then the primary cardholder will only be eligible for 1 domestic lounge access in next quarter (1st oct- 31st Dec).

9. Whether there is a list of participating lounges?

Customer can check the list of participating lounges by visiting the below mentioned links: 

Lounge Type 

Web Link

Domestic 

https://www.federalbank.co.in/airport-lounge-access-program-domestic 

International 

www.loungekey.com/federalbanksignature 

 

How it Works

  • Your Federal Bank Card enables access to lounges at Indian airports.
  • To enter a participating lounge, the card must be validated at the entry point by swiping a transaction of a nominal charge
  • Customers may optionally pre-book domestic lounge access via https://lms.hoi.in. Customer’s card must be validated by completing a transaction of a nominal charge.
  • If customer has exceeded the quota of complimentary domestic airport lounge accesses as per the Card feature, the visit will be charged.
  • Complimentary visits are non-transferable, non-negotiable, and cannot be encashed.
  • Only the primary cardholder is eligible for lounge access (except for Celesta Debit Card).
  • The Bank, Service Provider, or participating lounges may withdraw the offer at any time without prior notice.

Charges for Domestic Lounge Access

Charges

Amount in Rs

Visit validation charge

Rs. 2

Visit charge post

utilization of free visits

Vary from lounge to lounge

Guest charges*

Vary from lounge to lounge
  • Your Federal Bank Celesta Debit Card, Celesta Credit Card and Rupay Platinum Debit card enables you to access lounges across Globe.
  • Mastercard/VISA Celesta Debit Card, Celesta Credit Card customers should show their Federal Bank Card and identify themselves as Lounge key member to access.
  • To use the Participating Airport Lounge, customer's card must be validated at point of entry by swiping a transaction of a charge as per lounge charges. The same will be reimbursed within 30 days.
  • After customers have exceeded the complimentary access, the applicable lounge access fee (plus taxes) will be charged to their account per person per visit.
  • Bank, Service Provider or participating airport lounges reserve the right to withdraw the offer any time without prior notice.
  • If customer has exceeded the quota of complimentary international airport lounge accesses as per the Card feature, the visit will be charged.