Federal Celesta vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
Federal Celesta
Why this card wins: Travel & Entertainment — 4 reward points per ₹150 spent
| Feature | ||
|---|---|---|
| Bank | Federal Bank | Punjab National Bank |
| Card Type | Premium | Entry Level |
| Annual Fee | ₹1,499 + GST | ₹299 + GST |
| Joining Fee | ₹1,499 + GST | ₹99 + GST |
| Rewards | 4 reward points per ₹150 spent | 2 reward points per ₹100 on all spends |
| Best For | Travel & Entertainment | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 1000 reward points on activation | None |
| Min Income | ₹30,000/month | ₹12,000/month |
| Lounge Access | 6 domestic + 3 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.1 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, Federal Celesta ranks highest among your selected cards. It excels at Travel & Entertainment and offers 4 reward points per ₹150 spent.
Frequently asked questions
Which is better: Federal Celesta or PNB Rupay Platinum?
Federal Celesta has the higher CardKhoj rating (4.1/5) and is best for travel & entertainment. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Federal Celesta and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹1,499 + GST for Federal Celesta.
Do Federal Celesta and PNB Rupay Platinum offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. PNB Rupay Platinum: no complimentary lounge access.
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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