Find my best card →
faayda.com › compare › Federal Bank Celesta vs Scapia Federal
Comparison · हिन्दी

Federal Bank Celesta vs Scapia Federal

Both cards compared on real rupee returns for best lifetime free zero forex credit card India. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
FEDERAL
CELESTA
ASHOK KUMAR
VS
FEDERAL
SCAPIA FEDERAL
ASHOK KUMAR
Our verdict
Scapia Federal Bank Credit Card wins for most people
Scapia Federal wins decisively with ₹4,800 annual benefits versus Federal Bank Celesta's ₹1,290, thanks to superior travel rewards (4% via app) and consistent 2% cashback across categories.
Side-by-side comparison
Federal Bank Celesta Credit Card Scapia Federal Bank Credit Card ✓
Annual benefit ₹1,290 ₹4,800
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 3X reward points on travel and international spends (0.75%); 2X dining (0.5%); 1X others (0.25%); 2% forex 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/quarter (on ₹60,000/quarter spend); 2 international visits/year Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 0%
Best for Lifetime free travel card with low forex markup, lounge access and 20+ transfer partners Travel rewards with zero forex and lounge access
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+/year ₹5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Federal Bank Celesta Credit Card
Federal Bank Celesta suits travelers prioritizing lounge access and forex benefits for frequent international spends, plus those valuing transfer partner flexibility over raw cashback.
Scapia Federal Bank Credit Card
Scapia Federal excels for your spend profile with high travel expenses, delivering 4% rewards via the app and zero forex charges, making it ideal for regular domestic and international travelers.
Who should get which card
Get Federal Bank Celesta if you…
· You frequently travel internationally and want low 2% forex markup
· You value premium lounge access and transfer partner ecosystem
· You prefer points flexibility over pure cashback rewards
Get Scapia Federal Bank if you…
· Your monthly spend includes ₹10,000+ travel (gets 4% via Scapia app)
· You want consistent 2% cashback on shopping and dining
· You prioritize zero forex charges for international transactions
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Scapia Federal Bank vs ixigo AU →Scapia Federal Bank vs Scapia Axis Bank →RBL Bank World Safari vs Scapia Federal Bank →Scapia Federal Bank vs IDFC FIRST Wealth →Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Scapia Federal Bank Credit Card offers better annual returns for most spend profiles.
Federal Bank Celesta Credit Card has an annual fee of Lifetime free. Scapia Federal Bank Credit Card has an annual fee of Lifetime free.
Federal Bank Celesta Credit Card offers 3X reward points on travel and international spends (0.75%); 2X dining (0.5%); 1X others (0.25%); 2% forex. Scapia Federal Bank Credit Card offers 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026).
Federal Bank Celesta Credit Card lounge access: 4 domestic visits/quarter (on ₹60,000/quarter spend); 2 international visits/year. Scapia Federal Bank Credit Card lounge access: Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app.
Federal Bank Celesta Credit Card charges 2% forex markup. Scapia Federal Bank Credit Card charges 0% forex markup.