BOBCARD PREMIER
Rs 1,000Annual fee
Rs 1,20,000Fee waiver spend
4Domestic lounge
3.5%Forex markup
Best for
travel, dining, international spends, lounge
Top rewards
Travel, dining, and abroad (international) spends: 10 Reward Points / Rs 100; Other eligible spends: 2 Reward Points / Rs 100
Federal Bank Celesta Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of Rs 60,000 in the preceding quarter).
- 2 complimentary international airport lounge visits per calendar year.
2%Forex markup
Best for
travel, lounge, dining, international, lifetime free, premium
Top rewards
Travel spends: 3 Reward Points / Rs 100 spent; International spends: 3 Reward Points / Rs 100 spent; Dining spends: 2 Reward Points / Rs 100 spent
| Feature | BOBCARD PREMIER | Federal Bank Celesta Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | Federal Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 1,000 | Rs 0 |
| Annual fee | Rs 1,000 | Rs 0 |
| Fee waiver spend | Rs 1,20,000 | - |
| Reward type | reward points | reward points |
| Best for | travel, dining, international spends, lounge | travel, lounge, dining, international, lifetime free, premium |
| Top reward categories | Travel, dining, and abroad (international) spends: 10 Reward Points / Rs 100; Other eligible spends: 2 Reward Points / Rs 100 | Travel spends: 3 Reward Points / Rs 100 spent; International spends: 3 Reward Points / Rs 100 spent; Dining spends: 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 8 |
| International lounge | 0 | 2 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | First year fee reversal on spending Rs 10,000 within first 60 days, Annual fee waiver on spending Rs 1,20,000 in a year | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel transactions do not earn reward points, accelerated reward points are subject to monthly cap, taxes and charges excluded as per BOBCARD terms | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |