PowerMiles Credit Card
Rs 5,000Annual fee
Rs 4,80,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) at 40+ lounges.
- 1 complimentary international airport lounge visit per calendar quarter (4 per year) at 1000+ lounges worldwide.
2%Forex markup
Best for
Travel, International, Lounge, Premium
Top rewards
International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent
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 | PowerMiles Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | Federal Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 5,000 | Rs 0 |
| Annual fee | Rs 5,000 | Rs 0 |
| Fee waiver spend | Rs 4,80,000 | - |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, International, Lounge, Premium | Travel, Lounge, Dining, International, Lifetime Free, Premium |
| Top reward categories | International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent | 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 | 8 | 8 |
| International lounge | 4 | 2 |
| Forex markup | 2% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Not Listed | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |