Federal Bank Celesta vs IDFC FIRST Wealth
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Wealth Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.1/10.
| Feature | Federal Bank Celesta | IDFC FIRST Wealth |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.7/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 1% | 0.75% |
| Max Reward Rate | 5% | 6% |
| Forex Markup | Zero | 1.5% |
| Domestic Lounges | 2 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Federal Bank Celesta
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: forex, travel, value
When to Choose IDFC FIRST Wealth
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 6% vs 5%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: forex, travel, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: Federal Bank Celesta costs ₹0 in forex fees vs IDFC FIRST Wealth at ₹1,770. You save ₹1,770/year with Federal Bank Celesta.