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 (₹0).

Which card offers better lounge access?

Federal Bank Celesta Credit Card: 2 per quarter domestic lounge. IDFC FIRST Wealth Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

IDFC FIRST Wealth Credit Card has higher base reward value (~0.5% vs ~0.25%).

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.

Travel IDFC FIRST Bank Wealth Forex IDFC FIRST Bank Wealth Lounge Federal Bank Celesta

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

Wealth IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.5%
Domestic lounge 1/quarter Conditional · 1/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Celesta

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

Wealth

6.7 pts / ₹100 on Dining (10X reward points on Dining, Travel, and Internationa…

Pick based on what matters

3 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 (2/quarter vs 1/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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Wealth: ~₹250/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	Wealth IDFC FIRST Bank
Lounge Access
Domestic lounge visits 2/quarter vs 1/quarter	2/quarter	1/quarter
International lounge visits 2/year vs 4/year	2/year	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 1.5%	2%	1.5%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
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

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