Which card has a lower forex fee: ixigo AU Credit Card or Federal Bank Celesta Credit Card?

ixigo AU Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: ixigo AU Credit Card or Federal Bank Celesta Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic + 1 per year international. Federal Bank Celesta Credit Card: 2 per quarter domestic + 2 per year international.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank ixigo vs Federal Bank Celesta Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank ixigo and the Federal Bank Celesta. Verify fees, lounge access, forex markup, and base rewards before you apply.

ixigo

Celesta

The short answer

Verdict

Pick ixigo for travel and spending abroad.

Head-to-head

Three core metrics

Annual fee

ixigo ₹0

Celesta ₹0
Forex markup

ixigo 0%

Celesta 2%

ixigo saves ~₹2,000 per ₹1L abroad
Domestic lounge

ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Celesta 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)

Reward earning explained

Per card

ixigo

2.5 pts / ₹100

Strong data

Celesta

1 pt / ₹100 · Up to 3 pts / ₹100 on Travel International

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs Federal Bank Celesta: ₹0), forex markup (0% vs 2%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).

Travel AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for travel

AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.
Forex markup AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for forex

AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). Federal Bank Celesta conservative base value ~0.1% per ₹100.

ixigo: Strong data Celesta: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Celesta: ~₹50/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	ixigo AU Small Finance Bank	Celesta Federal Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	8/year (2 per quarter)	8/year (2 per quarter)
International lounge visits 1 per year vs 2 per year	1 per year	2 per year
Forex / International Use
Forex markup 0% vs 2%	0%	2%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Monthly interest rate 3.75% / month vs 0.69%–3.75% per month	3.75% / month	0.69%–3.75% per month
Late-payment charge Only available for Celesta	Not specified	₹100–₹950 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100 2.5 pts / ₹100 vs 1 pt / ₹100	2.5 pts / ₹100	1 pt / ₹100
Conservative base value Not safely INR-comparable vs ~0.1%	Not safely INR-comparable	~0.1%
Earn ceiling	Not stated	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Celesta	Not specified	₹0.25
Point validity Only available for Celesta	Not specified	3 years

Notes

ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Federal Bank Celesta Credit Card: Condition: ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

AU Small Finance Bank ixigo

Verify with issuer

Federal Bank Celesta

Verify with issuer