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