KrisFlyer Apex Credit Card
Rs 9,999Annual fee
8Domestic lounge
Domestic lounge conditions
- Complimentary domestic and international lounge visits are capped at 2 visits per quarter.
- Complimentary Priority Pass membership included
- Complimentary Priority Pass membership included for primary cardholder.
- Priority Pass membership is complimentary for the primary cardholder for the first 2 card membership years.
- International lounge visits beyond the complimentary limit or by guests are charged at USD 27 plus taxes per visit.
3.5%Forex markup
Best for
Singapore Airlines, International Travel, Travel, Lounge, Premium
Top rewards
Singapore Airlines Group Spends: 10 KrisFlyer Miles per ₹200; International Spends: 8 KrisFlyer Miles per ₹200; Other Eligible Spends: 6 KrisFlyer Miles per ₹200
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 | KrisFlyer Apex Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | SBI Card | Federal Bank |
| Network | American Express | Mastercard |
| Joining fee | Rs 9,999 | Rs 0 |
| Annual fee | Rs 9,999 | Rs 0 |
| Reward type | KrisFlyer Miles | Reward Points |
| Best for | Singapore Airlines, International Travel, Travel, Lounge, Premium | Travel, Lounge, Dining, International, Lifetime Free, Premium |
| Top reward categories | Singapore Airlines Group Spends: 10 KrisFlyer Miles per ₹200; International Spends: 8 KrisFlyer Miles per ₹200; Other Eligible Spends: 6 KrisFlyer Miles per ₹200 | 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 | 8 | 2 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | 10,000 bonus KrisFlyer Miles on reaching ₹5 Lakh in annual spends, KrisFlyer Elite Gold tier upgrade on spending ₹7.5 Lakh or more on Singapore Airlines Group booking channels, 3,000 bonus KrisFlyer Miles on cumulative annual spends of ₹10 Lakh | Not Listed |
| Redemption | Air miles: upto ₹ 0.8 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel spends, property rental payments, utility bill payments, e-wallet uploads, government transactions, EMI transactions | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |