Federal Celesta vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
SBI SimplyCLICK
Why this card wins: Direct Online Shopping — 10X Reward Points on online partners
| Feature | ||
|---|---|---|
| Bank | Federal Bank | SBI |
| Card Type | Premium | Cashback |
| Annual Fee | ₹1,499 + GST | ₹499 + GST |
| Joining Fee | ₹1,499 + GST | ₹499 + GST |
| Rewards | 4 reward points per ₹150 spent | 10X Reward Points on online partners |
| Best For | Travel & Entertainment | Direct Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 1000 reward points on activation | ₹500 Amazon gift card |
| Min Income | ₹30,000/month | ₹20,000/month |
| Lounge Access | 6 domestic + 3 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.1 | 4.3 |
| 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
SBI SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Verdict
Based on rating and overall value, SBI SimplyCLICK ranks highest among your selected cards. It excels at Direct Online Shopping and offers 10X Reward Points on online partners.
Frequently asked questions
Which is better: Federal Celesta or SBI SimplyCLICK?
SBI SimplyCLICK has the higher CardKhoj rating (4.3/5) and is best for direct online shopping. 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: Federal Celesta and SBI SimplyCLICK?
SBI SimplyCLICK is cheaper to hold at ₹499 + GST, compared with ₹1,499 + GST for Federal Celesta.
Do Federal Celesta and SBI SimplyCLICK offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. SBI SimplyCLICK: 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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