Scapia Federal Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of Rs 20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
travel, zero forex, lounge, upi, lifetime free
Top rewards
Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins
Federal Bank Celesta Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of Rs 60,000 in the preceding quarter).
- 2 complimentary international airport lounge visits per calendar year.
2%Forex markup
Best for
travel, lounge, dining, international, lifetime free, premium
Top rewards
Travel spends: 3 Reward Points / Rs 100 spent; International spends: 3 Reward Points / Rs 100 spent; Dining spends: 2 Reward Points / Rs 100 spent
| Feature | Scapia Federal Credit Card | Federal Bank Celesta Credit Card |
|---|---|---|
| Issuer | Federal Bank | Federal Bank |
| Network | Visa, RuPay | Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | scapia coins | reward points |
| Best for | travel, zero forex, lounge, upi, lifetime free | travel, lounge, dining, international, lifetime free, premium |
| Top reward categories | Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins | Travel spends: 3 Reward Points / Rs 100 spent; International spends: 3 Reward Points / Rs 100 spent; Dining spends: 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 8 |
| International lounge | 0 | 2 |
| Forex markup | 0% | 2% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Air miles: upto Rs 0.2 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |