Federal Celesta vs HDFC Regalia Gold
Side-by-side credit card comparison to help you choose the best one.
HDFC Regalia Gold
Why this card wins: Travel & Luxury — 4X reward points on every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | Federal Bank | HDFC Bank |
| Card Type | Premium | Premium |
| Annual Fee | ₹1,499 + GST | ₹2,500 + GST |
| Joining Fee | ₹1,499 + GST | ₹2,500 + GST |
| Rewards | 4 reward points per ₹150 spent | 4X reward points on every ₹150 spent |
| Best For | Travel & Entertainment | Travel & Luxury |
| 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 | ₹2,00,000 - ₹10,00,000 |
| Welcome Benefit | 1000 reward points on activation | 2500 reward points on first spend |
| Min Income | ₹30,000/month | ₹60,000/month |
| Lounge Access | 6 domestic + 3 international per year | 12 domestic + 6 international 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 | 4.8 |
| 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 Regalia Gold
Travel & Luxury
Visa • Premium
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
Verdict
Based on rating and overall value, HDFC Regalia Gold ranks highest among your selected cards. It excels at Travel & Luxury and offers 4X reward points on every ₹150 spent.
Frequently asked questions
Which is better: Federal Celesta or HDFC Regalia Gold?
HDFC Regalia Gold has the higher CardKhoj rating (4.8/5) and is best for travel & luxury. 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 Regalia Gold?
Federal Celesta is cheaper to hold at ₹1,499 + GST, compared with ₹2,500 + GST for HDFC Regalia Gold.
Do Federal Celesta and HDFC Regalia Gold offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. HDFC Regalia Gold: 12 domestic + 6 international 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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