Federal Bank
Identical fees and rewards to its Visa sibling, but with a genuinely Mastercard-exclusive Golf Programme (4 green fees/year, 12 lessons, 50% off golf services) that Visa Celesta does not carry.
reward points
Milestone rewards
Points redeem at ₹0.10 each for cash-to-account redemption, or up to ₹0.25 each against the Federal Rewards catalogue. Also includes a Buy-One-Get-One INOX movie ticket offer (up to ₹100 off) once a month, and a Golf Programme exclusive to this Mastercard variant: 4 complimentary green fees/year, 12 complimentary golf lessons, and 50% off golf services, via Mastercard's Priceless benefits programme.
2 complimentary international lounge visits per year with no spend requirement, plus 2 domestic lounge visits in the following quarter after ₹60,000+ spend in the current quarter.
Verified from official issuer sources. Last verified 31 August 2026
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ICICI Bank
A lifetime-free card that pays its best rate on Amazon. Worth holding for Amazon spend; unremarkable elsewhere, and you cannot simply apply for it.
ICICI Bank
An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.
ICICI Bank
A no-fee starter card. Earns the same catalogue points as Coral but without the lounge, cinema or milestone benefits, so the fee saving is most of what distinguishes it.
