Federal Celesta vs HDFC Millennia
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | Federal Bank | HDFC Bank |
| Card Type | Premium | Cashback |
| Annual Fee | ₹1,499 + GST | ₹1,000 + GST |
| Joining Fee | ₹1,499 + GST | ₹1,000 + GST |
| Rewards | 4 reward points per ₹150 spent | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Travel & Entertainment | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 reward points on activation | 1000 Cash Points on first txn |
| Min Income | ₹30,000/month | ₹25,000/month |
| Lounge Access | 6 domestic + 3 international per year | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.1 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
Federal Celesta
Travel & Entertainment
Visa • Premium
- 6 domestic + 3 international lounge visits
- Buy 1 Get 1 on movie tickets
- 2X rewards on weekend dining
- Annual fee waiver on ₹3L spend
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: Federal Celesta or HDFC Millennia?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. Federal Celesta is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: Federal Celesta and HDFC Millennia?
HDFC Millennia is cheaper to hold at ₹1,000 + GST, compared with ₹1,499 + GST for Federal Celesta.
Do Federal Celesta and HDFC Millennia offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. HDFC Millennia: 8 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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