Federal Bank Celesta Credit Card vs IDFC FIRST Millennia Credit Card
How Federal Bank Celesta Credit Card and IDFC FIRST Millennia 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.
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.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Side by side
| Federal Bank Celesta Credit CardFederal Bank | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | |
|---|---|---|
| Annual fee | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) | Nil — lifetime-free |
| 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) | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire |
| Lifetime-free | Yes | Yes |
| Network | Visa / Mastercard | Visa / RuPay |
| Eligibility | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) |
| 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. | A no-fee everyday rewards card with points that never expire. |
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
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
Federal Bank Celesta Credit Card vs IDFC FIRST Millennia 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. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. 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, 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 IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever.
Federal Bank Celesta Credit Card: Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed). IDFC FIRST Millennia Credit Card: Nil — lifetime-free. 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.