SBI ELITE vs Federal Celesta vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | Federal Celesta | Canara RuPay Select |
|---|---|---|---|
| Bank | SBI | Federal Bank | Canara Bank |
| Card Type | Super Premium | Premium | Entry Level |
| Annual Fee | ₹4,999 + GST | ₹1,499 + GST | ₹500 + GST |
| Joining Fee | ₹4,999 + GST | ₹1,499 + GST | ₹500 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 4 reward points per ₹150 spent | 1 reward point per ₹100 spent |
| Best For | Premium Lifestyle | Travel & Entertainment | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 5000 bonus reward points | 1000 reward points on activation | None |
| Min Income | ₹60,000/month | ₹30,000/month | ₹12,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 6 domestic + 3 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.1 | 3.8 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L 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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.