Federal Bank Celesta Credit Card vs Scapia Federal Bank Credit Card
How Federal Bank Celesta Credit Card and Scapia Federal Bank Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
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.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| Federal Bank Celesta Credit CardFederal Bank | Scapia Federal Bank Credit CardFederal 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) | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | Yes | Yes |
| Network | Visa / Mastercard | Visa |
| Eligibility | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| 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. | Travellers who want zero forex markup and lounge access at no annual fee. |
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
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
Federal Bank Celesta Credit Card vs Scapia Federal Bank 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. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. 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 Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
Federal Bank Celesta Credit Card: Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed). Scapia Federal Bank 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.