Bank of Baroda Eterna vs Federal Bank Celesta
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Federal Bank Celesta Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.1/10 vs 7.9/10.
| Feature | Bank of Baroda Eterna | Federal Bank Celesta |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.1/10 |
| Annual Fee | ₹2,499 | Free |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 2% | Zero |
| Domestic Lounges | 8 | 2 |
| International Lounges | 2 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Bank of Baroda Eterna
- You can meet the fee waiver condition: Spend ₹2.5L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, value
When to Choose Federal Bank Celesta
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- Your primary spend is: forex, travel, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: Bank of Baroda Eterna costs ₹2,360 in forex fees vs Federal Bank Celesta at ₹0. You save ₹2,360/year with Federal Bank Celesta.
Annual Fee Value Analysis
To break even on Bank of Baroda Eterna's ₹2,499 fee at 1% rewards, spend ₹20,825/month.
Federal Bank Celesta is lifetime free — no break-even needed.