Federal Celesta vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
SBI SimplySAVE
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | ||
|---|---|---|
| Bank | Federal Bank | SBI |
| Card Type | Premium | Rewards |
| Annual Fee | ₹1,499 + GST | ₹499 + GST |
| Joining Fee | ₹1,499 + GST | ₹499 + GST |
| Rewards | 4 reward points per ₹150 spent | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Travel & Entertainment | Everyday Spending |
| 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 bonus reward points |
| 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 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
Verdict
Based on rating and overall value, SBI SimplySAVE ranks highest among your selected cards. It excels at Everyday Spending and offers 10X rewards on dining, grocery, movies & dept stores.
Frequently asked questions
Which is better: Federal Celesta or SBI SimplySAVE?
SBI SimplySAVE has the higher CardKhoj rating (4.2/5) and is best for everyday spending. 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 SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹1,499 + GST for Federal Celesta.
Do Federal Celesta and SBI SimplySAVE offer airport lounge access?
Federal Celesta: 6 domestic + 3 international per year. SBI SimplySAVE: 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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