Equitas 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 / Rs 100 spent (3X on international); All other retail spends: 3 Reward Points / Rs 100 spent
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 | Equitas PowerMiles Credit Card | Federal Bank 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 / Rs 100 spent (3X on international); All other retail spends: 3 Reward Points / Rs 100 spent | 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 | 8 | 8 |
| International lounge | 4 | 2 |
| Forex markup | 2% | 2% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 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 |