Federal Bank Celesta vs Scapia (Federal Bank) (2026)
Federal Bank's two free travel cards: Celesta's 2 international lounges and 2% forex vs Scapia's 0% forex, unlimited domestic lounges and 2% coins — same bank, opposite bets.
Head to head
| Metric | Federal Bank Celesta | Scapia (Federal Bank) |
|---|---|---|
| Our rank | #57 | #24 |
| Annual fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | None | None |
| Forex markup | 2% + GST | Nil — 0% markup (official KFS) |
| APR | 1.99%–3.75%/mo (23.88%–45%/yr), risk-based — range published on the official card page | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| Effective reward rate | 0.3% | 2.0% |
| Currency | Federal Bank Reward Points | Scapia Coins |
| House value | ₹0.25/pt | ₹0.20/pt |
| Welcome benefit | ₹600 Amazon Pay gift voucher on ₹10,000 spend within 30 days | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| Lounge doors opened | 588 of 644 | 72 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
Scapia (Federal Bank) out-earns Federal Bank Celesta at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, Scapia (Federal Bank) nets ₹26,400 against ₹3,720 — a ₹22,680 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹18,600 — a ₹1,13,400 gap. Lounge chasers: Federal Bank Celesta opens 588 of 644 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: Federal Bank Celesta — Keep; Scapia (Federal Bank) — Keep. On our board, Scapia (Federal Bank) sits at #24 to Federal Bank Celesta's #57 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →