- 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
Pairwise comparison
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Federal Bank Celesta vs ICICI Bank MakeMyTrip Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Federal Bank Celesta and the ICICI Bank MakeMyTrip. Verify fees, lounge access, forex markup, and base rewards before you apply.
Travel ICICI Bank MakeMyTrip Forex ICICI Bank MakeMyTrip
Quick comparison
Three core metrics- Annual fee ₹999 Waivable at ₹3,00,000 spend
- Forex markup 0.99%
- Domestic lounge 2/quarter
Reward earning explained
Per card3 pts / ₹100 on Travel International (3× rewards on travel and international ca…
6 myCash / ₹100 on MakeMyTrip hotel bookings (Hotel bookings on MakeMyTrip plat…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Federal Bank Celesta: ₹0 vs ICICI Bank MakeMyTrip: ₹999), forex markup (2% vs 0.99%), or lounge access (2/quarter vs 2/quarter).
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Travel ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for travel
ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
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Forex markup ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for forex
ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
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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:
- MakeMyTrip ICICI Bank: ~₹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 | MakeMyTrip ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 2/year vs 1/year | 2/year | 1/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 0.99% | 2% | 0.99% |
| Fees | ||
| Annual fee ₹0 vs ₹999 | ₹0 | ₹999 |
| Joining fee ₹0 vs ₹999 | ₹0 | ₹999 |
| Fee waiver spend Only available for MakeMyTrip ICICI Bank | Not specified | ₹3,00,000 |
| Rewards | ||
| Points per ₹100 | 1 pts | 1 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 Only available for Celesta | 3 years | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.