Federal Bank Credit Card
Last Updated : Jan. 8, 2025, 3:09 p.m.
Federal Bank has a great selection of credit cards, whether you're into traveling, shopping, or just enjoying life. By picking the right card, you can score tons of savings through rewards, cashback, and discounts. Take a look at your spending habits and financial goals, choose a card that fits, and make the most out of Federal Bank’s offerings. Dive into the details of their top cards and find the perfect match for your wallet!
List of Best Federal Bank Credit Cards in India 2025
Federal Bank Credit Cards | Joining Fees (w.e.f 3rd April 2023) | Annual Fees (w.e.f 3rd April 2023) |
|---|---|---|
Visa Celesta Credit Card | Nil | Nil |
Visa Imperio Credit Card | Nil | Nil |
Visa Signet Credit Card | Nil | Nil |
Mastercard Celesta Credit Card | Nil | Nil |
Mastercard Imperio Credit Card | Nil | Nil |
Mastercard Signet Credit Card | Nil | Nil |
Rupay Signet Credit Card | Nil | Nil |
Rupay Wave | Nil | Nil |
Features & Benefits of Federal Bank Credit Card
Federal Bank Visa Celesta Credit Card
Best suited for: Reward Points, Travel
Here are a few key features and benefits of the Federal Bank Visa Celesta Credit Card:
3X rewards on spending for travel and international categories
2X reward points for spending on dining
Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 in the first 30 days
2 free international airport lounge visits in a year
4 free domestic airport lounge visits per quarter in India.
Federal Bank Visa Imperio Credit Card
Best suited for: Reward Points
Here are a few main features and benefits of the Federal Bank Visa Imperio Credit Card:
3X rewards on grocery and health spending
2X rewards on spend for utility categories like electricity and gas bill payments
Amazon Pay voucher of ₹400 when you spend at least ₹5,000 within the first 30 days
A Buy 1, Get 1 free deal on INOX movie tickets once every calendar quarter
Free Big Basket vouchers when you spend Rs. 50,000 in a quarter
Up to 8 free domestic airport lounge visits in a year.
Federal Bank Visa Signet Credit Card
Best suited for: Reward Points
Here are a few key features and benefits of the Federal Bank Visa Signet Credit Card:
3X rewards for spending on electronics and apparel categories
2X rewards for spending on the entertainment category
1 complimentary access to domestic airport lounge in India per quarter
A Buy 1, Get 1 free offer on INOX movie tickets once each calendar quarter.
Receive free Swiggy vouchers when you spend ₹20,000 each quarter.
Federal Bank Matercard Celesta Credit Card
Best suited for: Reward Points, Travel
Below are the key features and benefits of the Mastercard Celesta Credit Card offered by Federal Bank:
3X rewards when spending on travel and international categories
2X rewards when you spend on dining
Amazon Pay e-voucher worth ₹600 on a minimum spend of ₹10,000 in the first 30 days
Benefits on MasterCard Wellness Pass on spending ₹75,000 in a quarter
2 international airport lounge visits per year; 4 domestic lounge visits per quarter.
Federal Bank Mastercard Imperio Credit Card
Best suited for: Reward Points
Here are the essential features and benefits of the Federal Bank Mastercard Imperio Credit Card:
3X rewards for spending on health and grocery categories
2X rewards for spending on utility categories
Amazon Pay e-voucher worth ₹400 on a minimum spend of ₹5,000 in the first 30 days
1% fuel surcharge waiver across all petrol pumps in India
Complimentary Big Basket vouchers on spending ₹50,000 in a quarter.
Federal Bank Mastercard Signet Credit Card
Best suited for: Reward Points
The following are the key features and benefits of the Federal Bank Mastercard Signet Credit Card:
3X rewards for spending on electronics and apparel categories
2X rewards for spending on the entertainment category
Amazon Pay e-voucher worth ₹200 on minimum sends of ₹3,000 in the first 30 days
Complimentary Swiggy Vouchers on spending ₹20,000 in a quarter
Buy 1, get 1 movie ticket free, once a quarter.
Federal Bank Rupay Signet Credit Card
Best suited for: Reward Points
Here are the main features and benefits of Federal Bank Rupay Signet Credit Card:
3X rewards for spending on electronics and apparel categories
2X rewards in the entertainment category
Amazon Pay e-voucher worth ₹200 on a minimum spend of ₹3,000 in the first 30 days
Personal accident insurance coverage of ₹2 lakhs and 24*7 concierge services
Free Swiggy vouchers on spending ₹20,000 in a quarter.
Federal Bank Rupay Wave Credit Card
Best suited for: Reward Points
Below are the key features and benefits of the Federal Bank Ripay Wave Credit Card:
10% cash back on the first five UPI transactions made within the first 30 days of card issuance
1 reward point for every ₹200 spent
1,000 bonus reward points when you spend ₹50,000 in a quarter.
Federal Bank Credit Card Eligibility
Here are the basic eligibility criteria you need to meet when applying for any of the Federal Bank credit cards:
Age Requirements: Applicants must be at least 18 years old to apply for a Secured Federal Credit Card and at least 21 years old for an Unsecured Federal Credit Card.
Credit History: Possessing a good credit history can facilitate the approval process for your credit card.
Nationality: To apply for a Credit Card in India, you must be either an Indian resident or a Non-resident Indian (NRI).
Federal Bank Credit Card Fees and Charges
The following are some of the other charges related to various credit cards offered by Federal Bank:
Fees and Charges | Details |
|---|---|
Interest-Free Period | Up to 48 days |
Cash Advance Limit | Signet: 10% |
Cash Advance Charges | 2.5% of the withdrawn amount or Rs. 500, whichever is greater |
Late Payment Charges | Here are the late payment charges for the respective balance statements: Less than ₹100: 0 ₹100 to ₹500: ₹100 ₹501 to ₹5000: ₹500 ₹5,001 to ₹10,000: ₹600 ₹10,001 to ₹25,000: ₹750 ₹25,001 to ₹50,000: ₹950 Above ₹50,000: ₹1000 |
Cheque returns or Dishonour or Auto-debit Reversal | A fee of 2% of the payment amount, with a minimum charge of ₹450 |
Click here to view other fees and charges associated with Federal Bank credit cards.
How to Apply for a Federal Bank Credit Card?
If you are looking to apply for a Federal Bank credit card online, below are the steps you need to follow:
Visit the credit card section on Federal Bank’s official website.
Explore the different credit cards available and their features.
Choose the credit card that suits your needs and click ‘Apply Now’.
Complete the online form with your personal and financial information.
Upload the required documents, such as proof of identity, proof of income, and bank statements.
Make sure all the details you've entered on the application form are correct.
Click the ‘Submit’ button to complete your application.
Await a confirmation message or email from the bank.
If you are a new customer, complete the vKYC process as required.
Once approved, you will receive your physical credit card by mail within a few days, and a virtual credit card will be available immediately through FedMobile.
Federal Bank Credit Card Customer Care Number
If you experience any issues or have questions, you can contact the 24/7 toll-free numbers: 1800- 425 -1199 or 1800-420-1199. Our customer care team is available to help with any concerns you might have, from reward points and cashback to questions about your statement. Feel free to call us anytime to quickly resolve your queries.
Credit Card Tips for Federal Bank Users
When handling both online and offline credit card transactions, it's important to adopt best practices to fully benefit from your Federal Bank Credit Card. Here are some guidelines on the right and wrong ways to manage your card:
Recommended Practices:
Review Card Options: Federal Bank offers a diverse range of credit cards designed for different needs, from shopping enthusiasts to frequent flyers. Evaluate the cards available to find one that aligns with your lifestyle and financial goals.
Read the Details: Make sure you understand all the terms and conditions associated with your credit card, such as credit limits, interest rates, and applicable fees. Also, be on the lookout for any promotions, discounts, or waivers that might be advantageous.
Consistent Payments: Always aim to pay your credit card bills in full to sustain a healthy credit score and sidestep interest fees. Prompt payments reflect positively on your credit history.
Utilize Credit Limit Increases: If you're eligible for a higher credit limit, take advantage of it to enhance your purchasing power and increase your rewards potential. Be sure to manage this increased limit wisely.
Know Your Billing Cycle: Be aware of your billing and payment timelines. The billing date is when you receive a statement for your expenditures during the last cycle, and the payment date is the deadline for settling your bill to avoid late charges.
Track Your Expenditures: Keep a close watch on your credit card spending to quickly spot any suspicious or fraudulent transactions. Enable alerts for all transactions and notify your bank immediately if something appears amiss.
Practices to Avoid:
Don't Max Out Your Credit: It's advisable to use your credit card within sensible limits. Consistently maxing out your credit can negatively impact your credit score, accrue significant debt, and make financial management challenging.
Limit New Credit Card Applications: While having multiple credit cards can be useful in emergencies, applying for many cards over a short period can appear risky and might negatively affect your credit score.
Avoid Minimum Payments: Regularly paying only the minimum due can lead to accruing interest on the remaining balance, increasing your total debt. Aim to pay more than the minimum due whenever possible, or better yet, the full balance.
Frequently Asked Questions (FAQs)
