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 (No joining or annual fee currently listed vs ₹1,499 annual fee).

Which card offers better lounge access?

Federal Bank Celesta Credit Card: 2 per quarter domestic + 2 per year international. 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 conservative base reward value (~1.5% vs ~0.1%).

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.

Celesta

Tata Neu Infinity RuPay

The short answer

Verdict

Pick Tata Neu Infinity RuPay for rewards and upi.

Head-to-head

Three core metrics

Annual fee

Celesta ₹0

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Celesta saves ₹1,499/yr
Forex markup

Celesta 2%

Tata Neu Infinity RuPay 2%
Domestic lounge

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

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

Celesta

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

Strong data

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong 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 (8/year (2 per quarter) vs 8/year (2 per 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 HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for rewards

HDFC Bank Tata Neu Infinity RuPay is stronger here. HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs Federal Bank Celesta's ~0.1%.
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.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
Celesta: ~₹50/month at base rate

Illustrative only, using current base rates before caps.

Field	Celesta Federal Bank	Tata Neu Infinity RuPay HDFC Bank
Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹1 crore
Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹15 lakh
Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹9 lakh
Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank	Not specified	Insured by HDFC ERGO General Insurance Company Limited
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 2 per year vs Not included	2 per year	No international lounge access
Forex / International Use
Forex markup	2%	2%
Fees
Recurring annual fee ₹0 vs ₹1,499	₹0	₹1,499
First-year cost Only available for Tata Neu Infinity HDFC Bank	Not specified	₹1,499
Annual-fee waiver Only available for Tata Neu Infinity HDFC Bank	Not specified	₹3,00,000 or more
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Monthly interest rate 0.69%–3.75% per month vs 3.75% / month	0.69%–3.75% per month	3.75% / month
Late-payment charge ₹100–₹950 depending on outstanding balance vs ₹100–₹1,300 depending on outstanding balance	₹100–₹950 depending on outstanding balance	₹100–₹1,300 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Points per ₹100 1 pt / ₹100 vs 1.5 NeuCoins / ₹100	1 pt / ₹100	1.5 NeuCoins / ₹100
Conservative base value ~0.1% vs ~1.5%	~0.1%	~1.5%
Earn ceiling Not stated vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	Not stated	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
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 1 year	3 years	1 year

Notes

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

Federal Bank Celesta

Verify with issuer

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer