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Debit card comparison

Kotak 811 Infinity Metal Debit Card vs Federal Bank Mastercard Celesta Contactless Debit Card

Compare Kotak 811 Infinity Metal Debit Card and Federal Bank Mastercard Celesta Contactless Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Debit card comparison

Kotak 811 Infinity Metal Debit Card vs Federal Bank Mastercard Celesta Contactless Debit Card

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 11, 2026
Kotak Mahindra BankKotak 811 Infinity Metal Debit Card

Kotak 811 customers who already want the 811 Super relationship and can justify a premium debit card through lounge, limits and merchant benefits.

Cost / pricing
Current April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.
Reviewed
September 11, 2026
Evidence
4 bank sources
Open product research
Federal BankFederal Bank Mastercard Celesta Contactless Debit Card

Federal Bank Celesta relationship customers who want high transaction limits and meaningful airport-lounge access.

Cost / pricing
Standard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
Reviewed
September 9, 2026
Evidence
1 bank source
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

Kotak 811 Infinity Metal Debit Card vs Federal Bank Mastercard Celesta Contactless Debit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/kotak-811-infinity-metal-debit-card-vs-federal-celesta-contactless-debit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does your linked account qualify for this card?Start with the eligible customer or relationship and any balance, funding or tenure requirement.

Kotak 811 Infinity Metal Debit Card

Eligibility
Reviewed terms position the card for new-to-bank customers completing offline KYC, subject to Kotak's current issuance controls.
Linked account
The card itself has no separate balance rule, but its annual-fee waiver is linked to the 811 Super savings programme; 811 Super has zero AMB but a programme fee under the reviewed schedule.

Federal Bank Mastercard Celesta Contactless Debit Card

Eligibility
Resident account holders of eligible Celesta Savings Account schemes under current bank rules.
Linked account
Requires an eligible Celesta Savings Account relationship.
02What costs follow from the card and account?Read the full cost wording and scope rather than comparing isolated numbers.

Kotak 811 Infinity Metal Debit Card

Cost / charges
Current April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.

Federal Bank Mastercard Celesta Contactless Debit Card

Cost / charges
Standard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
03Will the card limits support your intended use?Check limits and the ongoing relationship conditions before choosing.

Kotak 811 Infinity Metal Debit Card

Transaction limits
Current card terms publish ₹1.5 lakh ATM withdrawal and ₹4 lakh POS/e-commerce spend limits per day.
Account relationship
Current 811 Metal terms give the Super programme complimentary for 365 days; current fee treatment differs between Classic/Super and qualifying lump-sum-funding states.

Federal Bank Mastercard Celesta Contactless Debit Card

Transaction limits
₹1 lakh daily cash withdrawal and ₹6 lakh daily shopping limit; ₹7 lakh combined total shown on the reviewed page.
Account relationship
Premium debit card tied to the Federal Bank Celesta savings relationship.
Other maintained comparisons for Kotak 811 Infinity Metal Debit CardOther maintained comparisons for Federal Bank Mastercard Celesta Contactless Debit Card
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for Kotak 811 Infinity Metal Debit Card and Federal Bank Mastercard Celesta Contactless Debit Card
Decision factorKotak 811 Infinity Metal Debit CardFederal Bank Mastercard Celesta Contactless Debit Card
Cost / chargesCurrent April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.Standard AMC follows the current Federal Bank card tariff; the reviewed page states AMC is exempted when annual ECOM/POS spend exceeds ₹2 lakh.
Linked accountThe card itself has no separate balance rule, but its annual-fee waiver is linked to the 811 Super savings programme; 811 Super has zero AMB but a programme fee under the reviewed schedule.Requires an eligible Celesta Savings Account relationship.
Core benefits4 complimentary domestic lounge visits per year capped at 1 per quarter, plus current dining/entertainment and card insurance benefits under the 811 Metal terms.Contactless payments, 8 domestic lounge visits per year (two per quarter) and 4 international lounge visits per year under reviewed card terms.
Transaction limitsCurrent card terms publish ₹1.5 lakh ATM withdrawal and ₹4 lakh POS/e-commerce spend limits per day.₹1 lakh daily cash withdrawal and ₹6 lakh daily shopping limit; ₹7 lakh combined total shown on the reviewed page.
EligibilityReviewed terms position the card for new-to-bank customers completing offline KYC, subject to Kotak's current issuance controls.Resident account holders of eligible Celesta Savings Account schemes under current bank rules.
Account relationshipCurrent 811 Metal terms give the Super programme complimentary for 365 days; current fee treatment differs between Classic/Super and qualifying lump-sum-funding states.Premium debit card tied to the Federal Bank Celesta savings relationship.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Kotak Mahindra Bank

Kotak 811 Infinity Metal Debit Card

  • Current April/July 2026 811 documents supersede the older 2025 card terms for the researched headline and now state a 2% forex markup rather than a waiver.
  • A separate live Kotak fees page still shows older ₹4,999/₹1,999/₹4,999 card pricing, so the fee mismatch is preserved and should be confirmed before card request.
  • Four domestic lounge visits are capped at one per quarter; unused quarterly quota should not be treated as freely transferable.
Federal Bank

Federal Bank Mastercard Celesta Contactless Debit Card

  • The AMC waiver requires annual card spend above the current threshold.
  • Lounge programme terms and participating lounges can change.
  • The Celesta account relationship itself has separate eligibility/balance economics.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

Federal Bank

Federal Bank Mastercard Celesta Contactless Debit Card

Reviewed
September 9, 2026
Attached first-party sources
1
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Kotak 811 Infinity Metal Debit Card

Reviewed September 11, 2026 · 4 attached first-party sources

  1. Terms & conditionshttps://images.kotak.bank.in/bank/mailers/2026/files/811_MetalDC_TnC_Apr_26.pdf
  2. Issuer documenthttps://images.kotak.bank.in/bank/mailers/2026/files/811_GSFC_Jul_26.pdf
  3. Fee / charge schedulehttps://www.kotak.bank.in/en/privy/fees-and-charges.html
  4. Issuer documenthttps://images.kotak.bank.in/bank/mailers/2025/files/Infinity_Metal%20Debit%20Card_T%26C_1stOct.pdf

Federal Bank Mastercard Celesta Contactless Debit Card

Reviewed September 9, 2026 · 1 attached first-party source

  1. Issuer product pagehttps://www.federalbank.co.in/en/celesta-personal-contactless-debit-card