1 pt / ₹100 · Up to 3 pts / ₹100 on Travel International
Strong data 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.
The short answer
VerdictPick MakeMyTrip for travel, spending abroad and rewards.
Head-to-head
Three core metrics- Annual fee Celesta saves ₹999/yrCelesta ₹0MakeMyTrip ₹999 Waivable at ₹3,00,000 spend
- Forex markup MakeMyTrip saves ~₹1,010 per ₹1L abroadCelesta 2%MakeMyTrip 0.99%
- 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)MakeMyTrip 8/year (2 per quarter)
Reward earning explained
Per card1 myCash / ₹100
Strong dataPick based on what matters
4 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 (8/year (2 per quarter) vs 8/year (2 per 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.
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Rewards ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for rewards
ICICI Bank MakeMyTrip is stronger here. ICICI Bank MakeMyTrip conservative base value ~1% vs Federal Bank Celesta's ~0.1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- MakeMyTrip ICICI Bank: ~₹500/month at base rate
- Celesta: ~₹50/month at base rate
Illustrative only, using current base rates before caps.
| Field | Celesta Federal Bank | MakeMyTrip ICICI Bank |
|---|---|---|
| Insurance — Air accident cover Only available for MakeMyTrip ICICI Bank | Not specified | ₹1 crore |
| Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank | Not specified | ₹1 crore |
| 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 1 per year | 2 per year | 1 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 0.99% | 2% | 0.99% |
| Fees | ||
| Recurring annual fee ₹0 vs ₹999 | ₹0 | ₹999 |
| Annual-fee waiver Only available for MakeMyTrip ICICI Bank | Not specified | ₹3,00,000 |
| 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 Only available for Celesta | ₹100–₹950 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Celesta | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 pt / ₹100 vs 1 myCash / ₹100 | 1 pt / ₹100 | 1 myCash / ₹100 |
| Conservative base value ~0.1% vs ~1% | ~0.1% | ~1% |
| Earn ceiling | Not stated | Not stated |
| 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
- 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.
Federal Bank Celesta
Verify with issuer , opens external siteICICI Bank MakeMyTrip
Verify with issuer , opens external site