Federal Bank Celesta Credit Card vs SBI Card PRIME
How Federal Bank Celesta Credit Card and SBI Card PRIME compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Federal Bank Celesta Credit Card is lifetime-free, while SBI Card PRIME carries a fee (₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)). If you won't reliably hit SBI Card PRIME's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep.
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.
SBI Card PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| Federal Bank Celesta Credit CardFederal Bank | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | Nil joining + Nil annual fee (lifetime free; limited-period offer, no spend waiver needed) | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| Reward rate | 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) | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| Lifetime-free | Yes | No |
| Network | Visa / Mastercard | Visa / Mastercard / RuPay / American Express |
| Eligibility | Age 18-70; approx net monthly income ₹30,000+ (Visa) / ₹25,000+ (Mastercard); existing Federal Bank savings account typically required (aggregator-sourced) | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| Best 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. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
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
SBI Card PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
Federal Bank Celesta Credit Card vs SBI Card PRIME — FAQs
Neither is universally better. 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. SBI Card PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. 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 SBI Card PRIME carries a fee (₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)). If you won't reliably hit SBI Card PRIME's waiver spend, Federal Bank Celesta Credit Card is the cheaper card to keep. On rewards, 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 whereas SBI Card PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
Federal Bank Celesta Credit Card is lifetime-free (no fee, ever), while SBI Card PRIME charges ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal 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.