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Federal Bank Celesta vs AU Xcite Ultra 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 Xcite Ultra Credit Card compared
FeatureFederal Bank Celesta Credit CardFederal Bank Celesta Credit CardFederal Bank3 recent changes →
AU Xcite Ultra Credit CardAU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes →
Rewards by spend
Rewards0.25% base, up to 0.75% on foreign spends1% base, up to 3% on foreign spends
UPI payments (scan and pay)Earns nothing1%
Online shopping0.25%2%
Dining and food delivery0.5%1%
Groceries0.25%1%
Travel: flights, hotels, trains0.75%1%
FuelsameEarns nothingEarns nothing
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumssame0.25%0.25%
School and college fees0.25%Earns nothing
Wallet top-upsEarns nothing1%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.75%3%
Everything else0.25%1%
Card identity
Card typesameInternationalInternational
NetworkVisaRuPay
Card tierPremiumMid
Fees
Joining feeFree₹749 + GST
Annual feeFree₹749 + GST
Lifetime freeYesNo
Fee waived at₹0₹2,00,000
Eligibility
Min agesame21 years21 years
Max age-65 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹150₹100
Lounge access
Domestic lounge visits-8
International lounge visits20
Railway lounge visits-8
Lounge conditionSpend Rs 60,000 in the previous quarter for domestic lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup2%3.49%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption fee₹99-
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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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 Xcite Ultra Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,607

At this spend, AU Xcite Ultra Credit Card comes out ₹1,633 a year ahead of Federal Bank Celesta 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 Xcite Ultra Credit Card
  • Foreign spends: 3% back
  • Online shopping: 2% back
  • Spending ₹16,667 or more a month: the ₹884 fee is waived
  • Flyers: 8 airport lounge visits a year

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 Xcite Ultra Credit Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 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 rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend

Card data sourced via CardAdvisor.in (Federal Bank Celesta Credit Card, AU Xcite Ultra 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 Xcite Ultra Credit Card?

Federal Bank Celesta Credit Card. Federal Bank Celesta Credit Card: no annual fee; AU Xcite Ultra Credit Card: ₹749. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Federal Bank Celesta Credit Card has the lowest forex markup. Federal Bank Celesta Credit Card: 2%; AU Xcite Ultra Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: AU Xcite Ultra Credit Card 1%, 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.

Work Out the Numbers

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