Niyo Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- 1 complimentary lounge pass per calendar quarter, unlocked on ≥ ₹50,000 of international (non-INR) spends in that quarter.
- Pass is generated in the Niyo app within 7 days of meeting the spend threshold and is valid for 30 days from generation.
0%Forex markup
Best for
Travel, Forex, Lifetime Free, International
Top rewards
Domestic POS And E-Commerce Spends: 5 Niyo Coins per ₹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 | Niyo Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | YES Bank | Federal Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Forex, Lifetime Free, International | Travel, Lounge, Dining, International, Lifetime Free, Premium |
| Top reward categories | Domestic POS And E-Commerce Spends: 5 Niyo Coins per ₹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 | 0 | 8 |
| International lounge | 1 | 2 |
| Forex markup | 0% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.1 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | international / foreign currency transactions (no Niyo Coins earned), fuel transactions (MCC 5541, 5542, 5983, 5172) | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |