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Federal Bank · Federal Bank
Signet vs Celesta
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
47composite score
95% rule confidence
95% rule confidence
Winner
46composite score
95% rule confidence
95% rule confidence
Annual fee
Lifetime free
₹2,500
Network
Mastercard
Mastercard
Base reward rate
1%
1.5%
Min. income (monthly)
₹20,000
₹75,000
Min. credit score
700+
720+
Best for
Online shopping
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Signet edges out for most wallets.
- Lifetime free, you skip ₹2,500/yr on the other card.
- Easier to qualify, ₹20,000/mo income gets you in versus ₹75,000/mo.
Composite score
Signet47
Celesta46
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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