Federal Bank Celesta vs IDFC Select credit card

[haroldh]

Hi,
I have an IDFC select credit card and Federal bank celesta credit card. Which can I use as my secondary card for maximising rewards? My primary card is DCB - need a secondary card in cases where it's not acceptable.
Primary purchases - shopping online, cabs, dining, flights/travel/hotels etc.

Other cards
Axis airtel/My zone
Icici sapphiro
Tata neu infinity
Icici amazon pay

 

[Gaara]

Hi,
I have an IDFC select credit card and Federal bank celesta credit card. Which can I use as my secondary card for maximising rewards? My primary card is DCB - need a secondary card in cases where it's not acceptable.
Primary purchases - shopping online, cabs, dining, flights/travel/hotels etc.

Other cards
Axis airtel/My zone
Icici sapphiro
Tata neu infinity
Icici amazon pay

I'm not sure about Federal Celesta but IDFC select is no doubt expect for BOGO offer you should not use it anywhere.

Imagine you spent 50k

• 3X Reward Points on Spends till ₹20,000 in a statement cycle
  
  
• 10X Reward Points on crossing spends of ₹20,000 in a statement cycle & on your birthday
  
  
• 1X = 1 Reward Point per ₹150 spent| 1 Reward point = ₹0.25
  
  
• Categories not included in the 10X Reward Points threshold: Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load.
  Reward Points program not applicable on fuel, EMI transactions, & cash withdrawals.
  Reward redemption will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption.
  
  1 Reward = 0.16/-
  3 Rewards = 0.5/-
  
  20k Spend = 3x rewards 399.99 rewards (399.99*0.16 = 200 rupees)
  30K Spend = 10x rewards 2000 rewards (2000*0.16 = 320 rupees)
  
  For 50k spend you got 520/- and now to redeem it you need to pay 116.82/- so final return is 403.18 so final return is just 0.8% for spending 50k on this card.

Instead of IDFC you can use your Amazon Pay ICICI card which gives Stright 1% on most spends even in few jewellery stores.

 

[sudoabhi]

IDFC select credit card and Federal bank celesta

Neither of them

 

[sudoabhi]

Other cards
Axis airtel/My zone
Icici sapphiro
Tata neu infinity
Icici amazon pay

For utility and bill use Axis airtel.
For shopping online you can use Amazon ICICI
For Cabs, Amazon GV
For Dining, use EazyDiner with a range of CC and DC offers
For Flights, SmartBuy using DCB

And get new cards