PREMIER Credit Card
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 / ₹100; Other Eligible Spends: 2 Reward Points / ₹100
Celesta Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹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 / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹100 spent
| Feature | PREMIER Credit Card | 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 / ₹100; Other Eligible Spends: 2 Reward Points / ₹100 | Travel Spends: 3 Reward Points / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹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 ₹10,000 within first 60 days, Annual fee waiver on spending ₹1,20,000 in a year | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 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 |