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Federal Bank Celesta vs AU Traverse Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Federal Bank Celesta Credit Card versus AU Traverse Credit Card compared
FeatureFederal Bank Celesta Credit CardFederal Bank Celesta Credit CardFederal Bank3 recent changes →
AU Traverse Credit CardAU Traverse Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards0.25% base, up to 0.75% on foreign spends0.5% base, up to 1% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%0.5%
Dining and food deliverysame0.5%0.5%
Groceries0.25%0.5%
Travel: flights, hotels, trains0.75%0.5%
FuelsameEarns nothingEarns nothing
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%0.5%
School and college fees0.25%Earns nothing
Wallet top-upsEarns nothing0.5%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.75%1%
Everything else0.25%0.5%
Card identity
Card typesameInternationalInternational
NetworksameVisaVisa
Card tiersamePremiumPremium
Fees
Joining feeFree₹4,999 + GST
Annual feeFree₹4,999 + GST
Lifetime freeYesNo
Fee waived at₹0₹6,00,000
Eligibility
Min age21 years18 years
Max age-75 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹150₹250
Lounge access
Domestic lounge visits-8
International lounge visits28
Lounge conditionSpend Rs 60,000 in the previous quarter for domestic lounge access2 complimentary domestic and international airport lounge visits per quarter
Forex and international
Forex markup2%0.99%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption fee₹99-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPassport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proof
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Worth in Rupees at ₹20,000 a Month

Federal Bank Celesta Credit Card
Rewards a year
₹912
Fee a year
₹0
You keep
₹1,974
AU Traverse Credit Card
Rewards a year
₹1,500
Fee a year
- ₹5,899
You keep
- ₹2,622

At this spend, Federal Bank Celesta Credit Card comes out ₹4,596 a year ahead of AU Traverse Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Federal Bank Celesta Credit Card
  • Travel: 0.75% back
  • Foreign spends: 0.75% back
  • Anyone who wants no annual fee, ever
  • Flyers: 2 airport lounge visits a year
AU Traverse Credit Card
  • Foreign spends: 1% back
  • Spending ₹50,000 or more a month: the ₹5,899 fee is waived
  • Flyers: 16 airport lounge visits a year
  • Spending abroad: 0.99% markup, most cards add 3.5%

Watch-Outs

Federal Bank Celesta Credit Card
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on travel or foreign spends: the 0.75% rate applies only there, everything else earns 0.25%
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
AU Traverse Credit Card
  • Skip it if you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%

Card data sourced via CardAdvisor.in (Federal Bank Celesta Credit Card, AU Traverse Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Federal Bank Celesta Credit Card or AU Traverse Credit Card?

Federal Bank Celesta Credit Card. Federal Bank Celesta Credit Card: no annual fee; AU Traverse Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Traverse Credit Card has the lowest forex markup. AU Traverse Credit Card: 0.99%; Federal Bank Celesta Credit Card: 2%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: AU Traverse Credit Card 0.5%, Federal Bank Celesta Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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