Which card has a lower forex fee: Federal Bank Celesta Credit Card or Tata Neu Infinity HDFC Bank Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: Federal Bank Celesta Credit Card or Tata Neu Infinity HDFC Bank Credit Card?

Federal Bank Celesta Credit Card has a lower annual fee (₹0 vs ₹1,499).

Which card offers better lounge access?

Federal Bank Celesta Credit Card: 2 per quarter domestic lounge. Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher base reward value (~5% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

Federal Bank Celesta vs HDFC Bank Tata Neu Infinity RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Federal Bank Celesta and the HDFC Bank Tata Neu Infinity RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

upi HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Celesta Federal Bank

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

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

Celesta

3 pts / ₹100 on Travel International (3× rewards on travel and international ca…

Limited data

Tata Neu Infinity RuPay

5 NeuCoins / ₹100 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Federal Bank Celesta: ₹0 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (2% vs 2%), or lounge access (2/quarter vs 2/quarter).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
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

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~5% on base spend.

Celesta: Limited data Tata Neu Infinity RuPay: Limited data
upi HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for UPI usage

HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹2,500/month at base rate
Celesta: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Celesta Federal Bank	Tata Neu Infinity RuPay HDFC Bank
Lounge Access
Domestic lounge visits	2/quarter	2/quarter
International lounge visits 2/year vs 4/year	2/year	4/year
Forex / International Use
Forex markup	2%	2%
Fees
Annual fee ₹0 vs ₹1,499	₹0	₹1,499
Joining fee ₹0 vs ₹1,499	₹0	₹1,499
Fee waiver spend Only available for Tata Neu Infinity HDFC Bank	Not specified	₹3,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 1 pts vs 5 pts	1 pts	5 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1	₹0.25	₹1
Point validity 3 years vs 2 years	3 years	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.