Amazon Pay ICICI Bank Credit Card vs Federal Bank Celesta Credit Card
How Amazon Pay ICICI Bank Credit Card and Federal Bank Celesta Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
Federal Bank Celesta Credit Card — better for frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing federal bank account holders.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | Federal Bank Celesta Credit CardFederal Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 3 RP/₹100 on travel & international, 2 RP/₹100 on dining, 1 RP/₹100 on other spends; 1 RP = ₹0.25 (₹99 + GST redemption fee) |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa / Mastercard |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | Frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing Federal Bank account holders. |
Amazon Pay ICICI Bank Credit Card
- Lifetime-free — no joining or annual fee, ever
- 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
- No reward cap; cashback credited as Amazon Pay balance
Federal Bank Celesta Credit Card
- 3X reward points per ₹100 on travel/international and 2X on dining (1 RP = ₹0.25); ₹99 + GST per redemption
- 2 international lounge visits/year (no spend) + 2 domestic visits/quarter on ₹60,000 spend in the prior quarter
- Lifetime free (no joining or annual fee), 1% fuel surcharge waiver and 2% forex markup; ₹600 Amazon Pay voucher on ₹10,000 spend in 30 days
Amazon Pay ICICI Bank Credit Card vs Federal Bank Celesta Credit Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. Federal Bank Celesta Credit Card suits frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing federal bank account holders. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, Amazon Pay ICICI Bank Credit Card gives 5% back on amazon for prime members (3% non-prime), with no annual fee, ever. whereas Federal Bank Celesta Credit Card gives 3x reward points per ₹100 on travel and international spends, plus 2 free international airport lounge visits per year with no spend condition
Amazon Pay ICICI Bank Credit Card: Nil — lifetime-free. Federal Bank Celesta Credit Card: Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.