AU Bank LIT Credit Card vs Federal Bank Celesta Credit Card
How AU Bank LIT 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.
AU Bank LIT Credit Card — better for people who want a free base card and pay only for features they switch on.
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
| AU Bank LIT Credit CardAU Small Finance Bank | Federal Bank Celesta Credit CardFederal Bank | |
|---|---|---|
| Annual fee | Nil base (optional packs ₹49–₹399) | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) |
| Reward rate | Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle) | 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 | Salaried 21–60 / self-employed 25–65 yrs; resident Indian | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) |
| Best for | People who want a free base card and pay only for features they switch on. | 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. |
AU Bank LIT Credit Card
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
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
AU Bank LIT Credit Card vs Federal Bank Celesta Credit Card — FAQs
Neither is universally better. AU Bank LIT Credit Card suits people who want a free base card and pay only for features they switch on. 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, AU Bank LIT Credit Card gives lifetime-free base; switch on benefit packs only in the cycles you want them. 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
AU Bank LIT Credit Card: Nil base (optional packs ₹49–₹399). 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.