HSBC Premier Credit Card
Rs 20,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic airport lounge access for primary and add-on cardholders.
- Unlimited complimentary international airport lounge access for primary and add-on cardholders.
- 8 complimentary international guest lounge visits per calendar year.
0.99%Forex markup
Best for
premier, travel, lounge, forex, premium
Top rewards
Hotels via HSBC: Up to 36 Reward Points / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 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 | HSBC Premier Credit Card | Federal Bank Celesta Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Federal Bank |
| Network | Mastercard | Mastercard |
| Joining fee | Rs 12,000 | Rs 0 |
| Annual fee | Rs 20,000 | Rs 0 |
| Reward type | reward points | reward points |
| Best for | premier, travel, lounge, forex, premium | travel, lounge, dining, international, lifetime free, premium |
| Top reward categories | Hotels via HSBC: Up to 36 Reward Points / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 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 | Unlimited | 8 |
| International lounge | Unlimited | 2 |
| Forex markup | 0.99% | 2% |
| Milestone benefits | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. | Not listed |
| Redemption | Air miles: upto Rs 1 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |