Federal Celesta vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
IDFC First WOW
Why this card wins: All-Round Rewards — 10X reward points on every spend category
| Feature | ||
|---|---|---|
| Bank | Federal Bank | IDFC First Bank |
| Card Type | Premium | Rewards |
| Annual Fee | ₹1,499 + GST | Lifetime Free |
| Joining Fee | ₹1,499 + GST | Nil |
| Rewards | 4 reward points per ₹150 spent | 10X reward points on every spend category |
| Best For | Travel & Entertainment | All-Round Rewards |
| 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 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 1000 reward points on activation | 500 reward points on first spend |
| Min Income | ₹30,000/month | ₹15,000/month |
| Lounge Access | 6 domestic + 3 international per year | 6 domestic + 2 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 | 4.5 |
| 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
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, IDFC First WOW ranks highest among your selected cards. It excels at All-Round Rewards and offers 10X reward points on every spend category.
Frequently asked questions
Which is better: Federal Celesta or IDFC First WOW?
IDFC First WOW has the higher CardKhoj rating (4.5/5) and is best for all-round rewards. 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 IDFC First WOW?
IDFC First WOW is cheaper to hold at Lifetime Free, compared with ₹1,499 + GST for Federal Celesta.
Do Federal Celesta and IDFC First WOW offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. IDFC First WOW: 6 domestic + 2 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.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.