- Annual fee ₹0 Lifetime free
- Forex markup 0%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter
Pairwise comparison
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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.
Travel AU Small Finance Bank ixigo Forex AU Small Finance Bank ixigo
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 2%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹60,000 spend in the previous calendar quarter
Reward earning explained
Per card5 pts / ₹100 on Online shopping (online only · 10 reward points for every ₹200…
3 pts / ₹100 on Travel International (3× rewards on travel and international ca…
Pick based on what matters
3 dimensionsStart 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 (2/quarter vs 2/quarter).
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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%.
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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%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Celesta: ~₹130/month at base rate
- ixigo AU: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | ixigo AU Small Finance Bank | Celesta Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 1/year vs 2/year | 1/year | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 2% | 0% | 2% |
| Fees | ||
| Annual fee | ₹0 | ₹0 |
| Joining fee | ₹0 | ₹0 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Points per ₹100 2.5 pts vs 1 pts | 2.5 pts | 1 pts |
| 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
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.