Federal Bank Celesta Credit Card vs HDFC Bank Regalia Gold Credit Card
How Federal Bank Celesta Credit Card and HDFC Bank Regalia Gold 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
Federal Bank Celesta Credit Card is lifetime-free, while HDFC Bank Regalia Gold Credit Card carries a fee (₹2,500 + GST (waived on ₹4L annual spend)). If you won't reliably hit HDFC Bank Regalia Gold Credit Card's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep.
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.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
Side by side
| Federal Bank Celesta Credit CardFederal Bank | HDFC Bank Regalia Gold Credit CardHDFC Bank | |
|---|---|---|
| Annual fee | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) | ₹2,500 + GST (waived on ₹4L annual spend) |
| Reward rate | 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) | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands |
| Lifetime-free | Yes | No |
| Network | Visa / Mastercard | Visa / Mastercard |
| Eligibility | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) |
| Best 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. | Frequent flyers who want lounge access plus accelerated shopping rewards. |
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
HDFC Bank Regalia Gold Credit Card
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
Federal Bank Celesta Credit Card vs HDFC Bank Regalia Gold Credit Card — FAQs
Neither is universally better. 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. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Federal Bank Celesta Credit Card is lifetime-free, while HDFC Bank Regalia Gold Credit Card carries a fee (₹2,500 + GST (waived on ₹4L annual spend)). If you won't reliably hit HDFC Bank Regalia Gold Credit Card's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep. On rewards, 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 whereas HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands.
Federal Bank Celesta Credit Card is lifetime-free (no fee, ever), while HDFC Bank Regalia Gold Credit Card charges ₹2,500 + GST (waived on ₹4L annual spend) (waivable on spend).
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.