Federal Bank Credit Card Payment

Last Updated : April 19, 2025, 1:31 p.m.

In today's digital-first banking landscape, managing credit card payments efficiently is essential for maintaining financial health and a strong credit score. Federal Bank offers a diverse array of convenient payment options designed to suit the varying preferences of its cardholders. Whether you prefer the convenience of digital transactions through the FedMobile app and payment gateways, the automation of auto-debit facilities, the reliability of NEFT transfers, or the traditional approach of over-the-counter payments at branches, Federal Bank ensures that making your Federal bank credit card payments is a hassle-free experience. This comprehensive guide explores the various methods to pay your Federal Bank credit card bill, helping you understand each option's benefits, processing timelines, and best practices to avoid late payment penalties while maximizing your financial management strategies.

Federal Bank Credit Card Payment Methods

Federal Bank offers numerous convenient options for credit card bill payments, both online and offline, catering to different customer preferences.

Federal Bank Credit Card Payment through NEFT/IMPS Transfer

Federal Bank credit card payments can be done from any other bank account using NEFT. The credit card number must be entered in the account number section when the payment is made. The IFSC code will be entered as FDRL00CARDS . Here are the steps:

Step 1: Log on to federalbank.co.in

Step 2: Add beneficiary details:

• • Name: Name on the card
  • Bank Name: Federal Bank
  • Account No: Card Number
  • IFSC: FDRL00CARD
  • Branch Location: Aluva

Federal Bank Credit Card Payment via Payment Gateway

Using the Federal Bank Payment Gateway, you can pay Federal bank credit card bills from accounts apart from Federal Bank. The funds will get credited to the credit card in approximately three days. You will be asked to enter details like the credit card number, cardholder name, the amount, mobile, and email to make the payment. You can access the payment gateway in the following way:

Step 1: Go to https://www.federalbank.co.in/credit-card-payment-options.

Step 2: Click on ‘Click here’ in the Pay Via Payment Gateway section.

Step 3: Enter the required details and proceed with the payment.

Federal Bank Credit Card by using Cheque

Federal bank credit card payments can be made through cheques. It will take one working day for clearing Federal bank cheques and 3 to 5 working days for cheques of other banks to be cleared. Processing fees will be charged on outstation cheques. When paid at a Federal Bank branch, the funds get credited to the credit card on the same day. The steps to make your Federal Bank credit card bill payment using a cheque are as follows:

Step 1: Write the cheque: Make the cheque payable to "Federal Bank Credit Card No. (Your 16-digit credit card number)

Step 2: Submit the cheque: You can either:

• Drop it in the collection box at any Federal Bank branch

• Submit it over the counter at any Federal Bank branch

Federal Bank Credit Card Payment through FedMobile App

You can use the FedMobile app to make Federal bank credit card payments. Those who use their mobile phones for every transaction, be it for bill payments, purchases, or other payments will feel comfortable using this app. The funds will get credited to your credit card on the same day. The app must be downloaded on the device. After downloading and installing, follow the steps given below:

Step 1: Log in and click the ‘Credit Card’ icon on the home screen.

Step 2: Enter the credit card number.

Step 3: Select the bank and input the following details:

• Cardholder name
• IFSC
• Amount

Make your payment using the various options available.

Federal Bank Credit Card via FedNet Internet Banking

Log in to your Federal Bank FedNet account to pay your Federal Bank credit card bill. Post logging in, go to the section -“Credit Card”. Then, choose the “Credit Card Payment” option. Enter your credit card number and the amount you wish to pay. Post this, follow the instructions on the screen to complete the payment. Here is the detailed step by step guide

• Step 1 : Login to FedNet: Visit the Federal Bank FedNet portal and log in to your internet banking account.
• Step 2: Navigate to Credit Card: Look for the “Credit Card” section or a similar link on the navigation bar.
• Step 3: Select Credit Card Payment: Choose the option, "Credit Card Payment" or "Pay Credit Card Bill" within the "Credit Card" section.
• Step 4: Enter Card Details: Enter your credit card number, the amount you want to pay, and any other required information.
• Step 5: Confirm and Pay: Review the payment details and authenticate the transaction to proceed towards completing the payment.

Federal Bank Credit Card through Auto Debit

If you have too many credit card bills to pay and cannot remember the due dates of your bills, Federal bank offers a solution in the form of the auto debit facility. The money is automatically deducted from the Federal Bank Savings or Current account holders. This facility can be easily availed of by emailing the bank. This ensures that payments are not missed.

Federal Bank Credit Card Payment Timing and Processing

Understanding the timing for payments is essential to avoid late fees:

• For most payment methods: Make payments at least three days prior to the payment due date.
• For auto-debit: Maintain sufficient balance in your account at least one day before the due date.
• For FedMobile and FedNet: Payments are processed instantly.

If payment is not made by the due date, immediate dues will be recovered from any of your operative accounts maintained with Federal Bank.

Fees Associated with Federal Bank Credit Card Payments

• Cash payments at branches: Rs. 100 per transaction
• Outstation cheques: May attract processing fees
• Digital payment methods: Generally free of charge

Special Considerations for NRI Customers

For Non-Resident Indian (NRI) customers, there are specific regulations given for Federal bank credit card payments.

• NRI customers must surely repay 100% of outstanding dues through Autopay mode from Federal Bank NRE/NRO accounts
• Cash payments for clearing dues are not accepted for NRI customers.

Billing Dispute Resolution

If you disagree with any charges on your statement:

• Get in touch with Federal Bank Customer Care at 1800 420 1199 or 1800 425 1199
• Alternatively, email your concerns to [email protected]
• Disputes must be communicated within 30 days of receiving the statement
• If no dispute is raised within this period, all charges will be considered accepted.

Tips for Managing Federal Bank Credit Card Payments Effectively

• Set up automatic payments: Establish auto-debit to ensure timely payments and avoid late fees.
• Use digital channels: Opt for FedMobile or FedNet for instant settlement of your credit card bills.
• Plan payments in advance: Schedule payments at least three days before the due date when using methods other than auto-debit or digital channels.
• Monitor your statement regularly: Review your monthly statements promptly to identify and report any discrepancies within the 30-day window.
• Maintain sufficient account balance: For auto-debit users, ensure adequate funds in your linked account at least one day before the payment due date.
• Consider full payment: Whenever possible, pay the total amount due instead of the minimum amount to avoid interest charges.
• Use authorized payment methods only: Federal Bank advises cardholders to exercise caution and avoid making payments through unauthorized channels.
• Set up payment reminders: Configure calendar alerts a few days before your due date to ensure timely payments.
• Keep contact details updated: Ensure your email and phone number are current to receive payment reminders and notifications.
• Understand foreign transaction rules: For international purchases, familiarize yourself with the FEMA (Foreign Exchange Management Act) guidelines to avoid regulatory issues.

Conclusion

Federal Bank offers a broad range of options for Federal Bank credit card payments, catering to varied customer preferences. Whether you prefer digital channels for instant processing or traditional methods like cash and cheques, understanding the payment procedures, associated fees, and timing requirements will help you manage your credit card effectively and avoid unnecessary charges. For the most current information on credit card payment options and procedures, it's advisable to visit the official Federal Bank website or contact their customer service directly.