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Federal Bank · Airtel
Celesta vs Axis Bank Credit Card
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
46composite score
95% rule confidence
95% rule confidence
Winner
47composite score
95% rule confidence
95% rule confidence
Annual fee
₹2,500
Lifetime free
Network
Mastercard
Visa
Base reward rate
1.5%
1%
Min. income (monthly)
₹75,000
₹15,000
Min. credit score
720+
680+
Best for
Travel
utility
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Axis Bank Credit Card edges out for most wallets.
- Lifetime free, you skip ₹2,500/yr on the other card.
- Easier to qualify, ₹15,000/mo income gets you in versus ₹75,000/mo.
Composite score
Celesta46
Axis Bank Credit Card47
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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