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| Feature | Federal Bank Federal Bank Celesta Credit Card | YES BANK YES BANK Paisabazaar PaisaSave RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | YES BANK |
| Network | Visa | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.3% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.5% · Dining rewards | 6% · Dining and travel reward points |
| Travel & hotels | 0.8% · Travel and international rewards | 6% · Dining and travel reward points |
| International spending | 0.8% · Travel and international rewards | 1% · Other eligible 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 | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 2% | 3.4% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month |
| Terms verified | 23 Sept 2026 | 21 Sept 2026 |
| Best suited to | Federal Bank customers who travel, dine and use INOX regularly. | Existing YES BANK PaisaSave cardholders who want a RuPay card for UPI plus better dining and travel rewards. |
| 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. | Only available to existing PaisaSave cardholders as an upgrade path, not as a standalone new application. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
