BoB Eterna vs Federal Celesta
Side-by-side credit card comparison to help you choose the best one.
BoB Eterna
Why this card wins: Travel & Dining — 6 reward points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | Federal Bank |
| Card Type | Premium | Premium |
| Annual Fee | ₹2,499 + GST | ₹1,499 + GST |
| Joining Fee | ₹2,499 + GST | ₹1,499 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 4 reward points per ₹150 spent |
| Best For | Travel & Dining | Travel & Entertainment |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 2000 bonus reward points | 1000 reward points on activation |
| Min Income | ₹40,000/month | ₹30,000/month |
| Lounge Access | 8 domestic + 4 international per year | 6 domestic + 3 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.3 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
Federal Celesta
Travel & Entertainment
Visa • Premium
- 6 domestic + 3 international lounge visits
- Buy 1 Get 1 on movie tickets
- 2X rewards on weekend dining
- Annual fee waiver on ₹3L spend
Verdict
Based on rating and overall value, BoB Eterna ranks highest among your selected cards. It excels at Travel & Dining and offers 6 reward points per ₹100 on all spends.
Frequently asked questions
Which is better: BoB Eterna or Federal Celesta?
BoB Eterna has the higher CardKhoj rating (4.3/5) and is best for travel & dining. Federal Celesta is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Eterna and Federal Celesta?
Federal Celesta is cheaper to hold at ₹1,499 + GST, compared with ₹2,499 + GST for BoB Eterna.
Do BoB Eterna and Federal Celesta offer airport lounge access?
BoB Eterna: 8 domestic + 4 international per year. Federal Celesta: 6 domestic + 3 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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