Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | Federal Bank Federal Bank Celesta Credit Card | SBI Card SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | SBI Card |
| Network | Visa | Visa |
| Annual fee | Lifetime free | ₹4,999 + GST per year |
| Annual fee waiver | Not required | At ₹10,00,000 annual spending |
| Base reward rate | 0.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.5% · Dining rewards | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 0.3% · Other eligible rewards | 2.5% · Dining and grocery bonus |
| International spending | 0.8% · Travel and international rewards | 0.5% · Base reward points |
| Travel & hotels | 0.8% · Travel and international rewards | 0.5% · Base reward points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | Federal Bank customers who travel, dine and use INOX regularly. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| Main trade-off | Domestic lounge access needs ₹60,000 in the preceding quarter. The current INOX page does not publish a rupee ticket cap, and reward redemption starts at 500 points with a fee from ₹99. | The ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
