AU LIT vs Federal Bank Celesta
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Federal Bank Celesta Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.1/10 vs 7.2/10.
| Feature | AU LIT | Federal Bank Celesta |
|---|---|---|
| CardTrail Score | 7.2/10 | 8.1/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 0.25% | 1% |
| Max Reward Rate | 2.5% | 5% |
| Forex Markup | 3.49% | Zero |
| Domestic Lounges | 4 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose AU LIT
- You want a lifetime free card with zero annual cost
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: travel, dining, value
When to Choose Federal Bank Celesta
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,490/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2.5%
- Your primary spend is: forex, travel, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU LIT costs ₹4,118 in forex fees vs Federal Bank Celesta at ₹0. You save ₹4,118/year with Federal Bank Celesta.