BOBCARD Etihad Guest Credit Card vs Federal Bank Celesta Credit Card
How BOBCARD Etihad Guest Credit Card and Federal Bank Celesta Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Federal Bank Celesta Credit Card is lifetime-free, while BOBCARD Etihad Guest Credit Card carries a fee (₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend)). If you won't reliably hit BOBCARD Etihad Guest Credit Card's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep.
BOBCARD Etihad Guest Credit Card — better for frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup.
Federal Bank Celesta Credit Card — better for frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing federal bank account holders.
Side by side
| BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | Federal Bank Celesta Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) |
| Reward rate | 3 Etihad Guest Miles per ₹100 on Etihad Airways spends; 1 mile per ₹100 on all other domestic and international spends. Welcome: base 2,500 miles, plus a limited-time offer (until 30 Jun 2026) of up to 7,500 bonus miles (5,000 on ₹25,000 + 2,500 on ₹50,000 spend within 60 days). | 3 RP/₹100 on travel & international, 2 RP/₹100 on dining, 1 RP/₹100 on other spends; 1 RP = ₹0.25 (₹99 + GST redemption fee) |
| Lifetime-free | No | Yes |
| Network | Visa | Visa / Mastercard |
| Eligibility | Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) |
| Best for | Frequent Etihad Airways flyers who want a lower-fee co-branded card that earns Etihad Guest Miles on every spend plus international lounge access and a low 1% forex markup. | Frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing Federal Bank account holders. |
BOBCARD Etihad Guest Credit Card
- 3 Etihad Guest Miles/₹100 on Etihad spends; 1 mile/₹100 on all other domestic and international spends
- 8 domestic (2/quarter) + 4 international (1/quarter) complimentary lounge visits per year
- Low 1% forex markup; complimentary Etihad Guest Silver tier on first transaction within 6 months
Federal Bank Celesta Credit Card
- 3X reward points per ₹100 on travel/international and 2X on dining (1 RP = ₹0.25); ₹99 + GST per redemption
- 2 international lounge visits/year (no spend) + 2 domestic visits/quarter on ₹60,000 spend in the prior quarter
- Lifetime free (no joining or annual fee), 1% fuel surcharge waiver and 2% forex markup; ₹600 Amazon Pay voucher on ₹10,000 spend in 30 days
BOBCARD Etihad Guest Credit Card vs Federal Bank Celesta Credit Card — FAQs
Neither is universally better. BOBCARD Etihad Guest Credit Card suits frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup. Federal Bank Celesta Credit Card suits frequent travellers who want a lifetime-free premium card with international lounge access and accelerated rewards on travel and dining, especially existing federal bank account holders. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Federal Bank Celesta Credit Card is lifetime-free, while BOBCARD Etihad Guest Credit Card carries a fee (₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend)). If you won't reliably hit BOBCARD Etihad Guest Credit Card's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep. On rewards, BOBCARD Etihad Guest Credit Card gives 3 etihad guest miles per ₹100 on etihad airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup. whereas Federal Bank Celesta Credit Card gives 3x reward points per ₹100 on travel and international spends, plus 2 free international airport lounge visits per year with no spend condition
Federal Bank Celesta Credit Card is lifetime-free (no fee, ever), while BOBCARD Etihad Guest Credit Card charges ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.