BoB Eterna vs SC Ultimate vs Federal Celesta
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | BoB Eterna | SC Ultimate | Federal Celesta |
|---|---|---|---|
| Bank | Bank of Baroda | Standard Chartered | Federal Bank |
| Card Type | Premium | Super Premium | Premium |
| Annual Fee | ₹2,499 + GST | ₹5,000 + GST | ₹1,499 + GST |
| Joining Fee | ₹2,499 + GST | ₹5,000 + GST | ₹1,499 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 3.33% rewards value on all spends | 4 reward points per ₹150 spent |
| Best For | Travel & Dining | Luxury Travel | Travel & Entertainment |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 2000 bonus reward points | 10,000 reward points on first ₹20,000 spend | 1000 reward points on activation |
| Min Income | ₹40,000/month | ₹1,00,000/month | ₹30,000/month |
| Lounge Access | 8 domestic + 4 international per year | Unlimited domestic + international (Priority Pass) | 6 domestic + 3 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.3 | 4.7 | 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
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
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, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.