Which card has a lower forex fee: Federal Bank Celesta Credit Card or IDFC FIRST Wealth Credit Card?

IDFC FIRST Wealth Credit Card has lower forex markup (1.5% vs 2%).

Which card has a lower annual fee: Federal Bank Celesta Credit Card or IDFC FIRST Wealth Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

Federal Bank Celesta Credit Card: 2 per quarter domestic + 2 per year international. IDFC FIRST Wealth Credit Card: 1 domestic + 1 international lounge visits/quarter.

Which card has a higher base reward rate?

IDFC FIRST Wealth Credit Card has higher conservative base reward value (~0.38% vs ~0.1%).

Pairwise comparison Compare 3+ cards →

Federal Bank Celesta vs IDFC FIRST Bank Wealth Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Federal Bank Celesta and the IDFC FIRST Bank Wealth. Verify fees, lounge access, forex markup, and base rewards before you apply.

Celesta

Wealth

The short answer

Verdict

Pick Celesta for lounge access.

Pick Wealth for travel and spending abroad.

Head-to-head

Three core metrics

Annual fee

Celesta ₹0

Wealth ₹0
Forex markup

Celesta 2%

Wealth 1.5%

Wealth saves ~₹500 per ₹1L abroad
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)

Wealth 4/year (1 per quarter) Conditional · 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Celesta: +4 lounge visits/yr

Reward earning explained

Per card

Celesta

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

Strong data

Wealth

1.5 pts / ₹100 · 5 points/₹100 on eligible travel, dining, and international

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Federal Bank Celesta: ₹0 vs IDFC FIRST Bank Wealth: ₹0), forex markup (2% vs 1.5%), or lounge access (8/year (2 per quarter) vs 4/year (1 per quarter)).

Travel IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for travel

IDFC FIRST Bank Wealth is stronger here. IDFC FIRST Bank Wealth is cheaper for international spend (1.5% vs 2% forex).
Forex markup IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for forex

IDFC FIRST Bank Wealth is stronger here. IDFC FIRST Bank Wealth has a lower forex markup (1.5% vs 2%).
Lounge access Federal Bank Celesta wins

Federal Bank Celesta is better for lounge access

Federal Bank Celesta is stronger here. Domestic lounge access is 2 per quarter.
Rewards Tie

Both cards are similar for rewards

Federal Bank Celesta conservative base value ~0.1% vs IDFC FIRST Bank Wealth's ~0.4%. IDFC FIRST Bank Wealth conservative base value ~0.4% vs Federal Bank Celesta's ~0.1%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Wealth: ~₹190/month at base rate
Celesta: ~₹50/month at base rate

Illustrative only, using current base rates before caps.

Field	Celesta Federal Bank	Wealth IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Wealth	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Wealth	Not specified	₹10 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Wealth	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Wealth	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 4/year (1 per quarter)	8/year (2 per quarter)	4/year (1 per quarter)
International lounge visits 2 per year vs 1 per quarter	2 per year	1 per quarter
Forex / International Use
Forex markup Same forex; compare fee and lounge rows. 2% vs 1.5%	2%	1.5%
Fees
Recurring annual fee	₹0	₹0
First-year cost Only available for IDFC FIRST Wealth	Not specified	₹0
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
Monthly interest rate 0.69%–3.75% per month vs 3.85% / month	0.69%–3.75% per month	3.85% / month
Late-payment charge Only available for Celesta	₹100–₹950 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded
Rewards
Points per ₹100 1 pt / ₹100 vs 1.5 pts / ₹100	1 pt / ₹100	1.5 pts / ₹100
Conservative base value ~0.1% vs ~0.4%	~0.1%	~0.4%
Earn ceiling Not stated vs ₹20,000 per month	Not stated	₹20,000 per month
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹0.25	₹0.25
Point validity 3 years vs 2 years	3 years	2 years

Notes

Federal Bank Celesta Credit Card: Condition: ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
IDFC FIRST Wealth Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Federal Bank Celesta

Verify with issuer

IDFC FIRST Bank Wealth

Verify with issuer