What Our Customers Say About Federal Bank Credit Cards

Seemless Experience with Great Rewards!

"I’ve been using my Federal Bank Credit Card for over a year now, and I absolutely love the convenience it offers. From quick approvals to excellent cashback and reward points, everything works smoothly. I also enjoy the complimentary lounge access during my travels. Highly recommended!"

Anitha R

Mumbai

Truly Customer-Centric!

"The customer support from Federal Bank is top-notch. I had a query regarding my billing cycle and it was resolved within minutes. The mobile app is user-friendly, and the card gives great offers on shopping and dining. I feel valued as a customer."

Rahul Menon

Kochi

Best Credit Card Experience So Far

"Compared to other cards I’ve used, Federal Bank’s credit card stands out for its lowest interest rates and transparent charges. I even got a pre-approved offer with instant digital onboarding. It’s a perfect card for anyone who values simplicity and savings."

Shreya Gupta

Bangalore

A Premium Experience Everyway !

"The Celesta card truly lives up to its premium tag. The concierge service, international lounge access, and luxury benefits make it perfect for frequent travelers like me. I even got exclusive invites to partner events! It's more than just a card—it’s a lifestyle upgrade."

Dr. Arvind Nair

Chennai

Smart Rewards for Smart Spenders

"I use the Imperio card for all my monthly expenses and the reward points just add up so fast! It gives me discounts on groceries, dining, and even utility payments. Plus, the EMI conversion option is super handy. A great card for everyday use with premium perks!"

Nisha Varghese

Thrissur

Perfect blend of Credit and UPI convenience!

"The RuPay Wave UPI Credit Card is a game-changer! I love how I can use it on BHIM and other UPI apps just like my bank account—but with credit. It’s fast, secure, and I even earn reward points on small UPI spends. Perfect for digital-first users like me."

Siddharth Rao

Hyderabad

Why Choose a Federal Bank Credit Card?

Selecting the right credit card makes a huge difference in your spending pattern and we enlist a few reasons as to why Federal Bank Credit Card should be your go-to choice:

1. Exciting Rewards & Offers

  • 3‑2‑1 Rewards Programme: Earn 3, 2, or 1 point per ₹100 spent across all card variants. Get 3X rewards on travel and international spends, 2X rewards on dining, and 1X rewards on other categories
  • Enjoy Amazon Pay, Swiggy, Big Basket vouchers and exclusive BOGO INOX movie offers
 

2. Global Acceptance & Travel Perks

  • These credit cards are widely accepted worldwide (VISA/Mastercard/RuPay)
  • Avail complimentary lounge access at select airports for elevated travel comfort
 

3. Smart Features & EMIs

  • Instantly use your virtual credit card after approval, even before the physical card arrives
  • Convert large purchases into easy Credit Card EMIs with flexible payment options like online banking, auto-debit, and mobile apps.
 

4. Easy Balance Transfer

  • Transfer other credit cards’ balance to Federal Bank Credit Cards through our Credit Card Balance Transfer facility and enjoy benefits like zero processing fee, easy EMI, and lower interest (based on eligibility).
 

5. Strong Security & Control

  • Contactless and tokenized payment support ensures secure usage
  • Easily manage PIN, block/unblock card, and track transactions via FedMobile/FedNet
 

6. Credit Building & Financial Flexibility

  • Responsible usage helps build a strong credit history, improving future loan access
  • Dynamic APR, fuel surcharge waivers, and tailored credit limits enhance flexibility

How to Apply for a Credit Card with the Federal Bank?

Applying for a credit card online is easy and cost-free. To avail instant credit cards, you need to follow the below steps.

Step-by-Step Process to Apply for Credit Card

01
Visit Our Website
Browse credit cards like Celesta, Imperio, Signet, Scapia and pick the one that suits your needs.
02
Click “Apply Now”
Select your preferred credit card and click the Apply Now button to begin the process.
03
Fill Details
Enter personal and income details. Upload PAN, Aadhaar, bank statements or income proof.
04
Video KYC
If required, complete a short and secure video KYC verification for identity confirmation.
05
Instant Digital Card
After approval, get your digital card instantly. Physical card is delivered within 2–5 business days.
06
Activate Your Card
Activate your credit card via FedMobile or internet banking. Click here.
 
Apply Online

Credit Card Features & Benefits  

Federal Bank Credit Cards combine smart financial tools with daily convenience to help you with a rewarding experience. Here’s a detailed look at the core features and benefits that make these cards a valuable asset to your wallet:

Key Features

  • Instant Virtual Card Activation - Start transacting online immediately after approval, as you need not wait for the physical card
  • Smart EMI Conversion - Convert high-value purchases into manageable EMIs through FedMobile or FedNet, with flexible tenure options
  • Wide Global Acceptance - Accepted at millions of merchants worldwide via Visa, Mastercard, and RuPay networks
  • Digital Card Management - Set limits, change PINs, enable/disable usage, and track expenses in real-time with FedMobile or NetBanking
  • Contactless Payments & Tokenization - Enhanced security with tap-to-pay functionality and tokenized transactions for supported devices
 

Additional Benefits

  • Up to 48 Days Interest-Free Credit - Make the most of your billing cycle with an extended interest-free grace period on purchases.
  • Fuel Surcharge Waiver - Save more on every fuel transaction across select fuel stations (T&C apply)
  • Emergency Cash Advance - Withdraw cash from ATMs anytime with a low processing fee, ideal for urgent needs.
  • Zero Lost Card Liability - Enjoy peace of mind with zero liability on lost or stolen cards, once reported.

Federal Bank credit cards are more than just a payment option. They're a secure, flexible, and benefit-packed financial tool.

Federal Bank Credit Card: Deals, Offers & Rewards  

A lucrative deal and some amazing rewards. Sounds like a steal deal, right? What if we told you there’s all this and much more with Federal Bank credit cards?

1. Exclusive Deals & Launch Offers

  • 10× Welcome Rewards : Avail up to 500 bonus points on your first credit card transaction (min. ₹500).
  • Targeted Online Spend Bonuses : Earn extra points for online purchases (excluding fuel, wallet loads, and cash withdrawals)
 

2. Reward Program Highlights

  • 3-2-1 Rewards Structure :
    • Earn 3× points on travel/international spends
    • Get 2× points on dine-outs or electronics/apparel (Signet variant 3× on electronics/apparel, 2× on entertainment)
    • Avail 1× on all other purchases
  • Instant in-app redemption : Redeem points for flight, hotel, lifestyle bookings via Federal Rewards or Scapia app
  • Additional perks : Get access to Amazon Pay, Swiggy, BigBasket vouchers and BOGO INOX movies, lounge access and fuel surcharge waivers
 

3. How to Avail Offers & Redeem Rewards

  1. Select the credit card variant matching your lifestyle
  2. Apply for an online credit card to enjoy instant virtual credit card usage
  3. Transact early to unlock welcome and targeted bonus points
  4. Track & redeem points via Federal Rewards portal or Scapia app for travel, vouchers, and more.
  5. Convert big purchases into easy EMIs with flexible repayment plans. Check Credit Card EMI Offers
 

Credit Card Eligibility  

Federal Bank’s Credit Card eligibility criteria are designed to ensure responsible and suitable lending. The eligibility may vary depending on the card type (secured or unsecured), but here's a comprehensive overview:

Key Eligibility Criteria

  • Age Requirement
    • Minimum 18 years for a Secured Credit Card (backed by fixed deposits)
    • Minimum 21 years for an Unsecured Credit Card
  • Nationality / Residency
    • Must be an Indian resident or an NRI, eligible for both secured and unsecured cards
  • Credit History
    • A good credit history and credit score improve chances of approval

Know more about the Key Factors affect your Credit Score 

Employment & Income Requirements

While Federal Bank doesn't mandate a fixed minimum income, financial assessment factors include

  • Steady source of income, which includes both salaried or self-employed
  • Some premium cards (e.g., Visa Imperio) may expect a minimum income of ₹30,000 per month

Documents Required for Credit Card  

To apply for a credit card, applicants must submit the following documents:

  • Identity Proof : PAN, Aadhaar
  • Address Proof : Aadhaar, Passport, Driver’s Licence, Voter ID
  • Income Proof : 3-month bank statements for salaried applicants or ITR for self-employed

Additional Factors Impacting Credit Card Eligibility

  • CIBIL/Credit Score : A strong credit score (usually 700+) strengthens eligibility
  • Employment Stability : Consistent job history and salary credibility can influence approval
  • Existing Bank Relationship : Holding accounts or deposits with Federal Bank may boost chances; secured credit cards rely on this

With clear age, income, credit history, and documentation guidelines, Federal Bank ensures transparent credit card eligibility, making the application process smooth and trustworthy.

Federal Bank Credit Card Charges, Fees & Interest Rates  

In order to use Federal Bank credit cards wisely, let’s first understand its fees, charges, and interest rates.

Federal Bank uses a dynamic interest rate system, which means the credit card interest rates depend on your banking relationship with them.

  • By maintaining a high average balance, you can get a lower interest rate on your credit card.
  • If your bank account is not linked or the balance is insufficient, a penalty of approximately 45% will be charged.
  • If you pay your full credit card bill on time each month, you can enjoy up to 48 days of interest-free credit.
  • If you miss the due date, you could be charged between ₹250 and ₹1,250.
  • If you exceed your credit limit, a fee of 2.5% of the excess amount (minimum ₹500) will be charged.

Make the most of your card - see our detailed tips on using your credit card wisely to avoid common pitfalls.

Federal Bank Credit Card EMI  

Federal Bank makes it easy to convert large purchases into manageable installments through its credit card EMI facility which is ideal for both online and offline transactions.

Why Opt for Credit Card EMI?

  • Budget-Friendly Repayments : Stretch payments over multiple months instead of paying upfront.
  • No Down Payment : Convert the full transaction amount without extra upfront costs.
  • Attractive Discounts : Often bundled with cashback or merchant offers.
  • Flexible Tenures : Choose EMI plans based on your affordability—from 3 months upwards.

Why Federal Bank Makes It Easy

  • Free credit card apply: No joining or annual fees (limited-time offer).
  • Instant credit card ready within minutes of approval.
  • Completely digital from application to virtual card activation and KYC.
  • Wide variety of card types to match your lifestyle and financial needs.

You can also apply for a credit card by visiting the nearest Federal Bank. Use our Credit Card EMI Calculator to estimate your monthly payments.

Things to Know Before Applying for a Credit Card  

To avoid any inconvenience or use credit cards brilliantly, you need to consider a few aspects. Here’s a list:

  1. Credit Card Eligibility: To get a Federal Bank Credit Card online, you’ll need certain documents such as your Aadhaar and PAN cards, along with a 3-month bank statement or an ITR. You must also meet specific criteria such as citizenship, income source, and past transaction history.
  2. Credit Card Monthly Spends: Your credit card limit should align with your monthly spending.
  3. Credit Card Benefits & Offers : Based on your spending, interest, and usability, avail the credit card online that best suits you.
  4. Credit Card Fees & Charges : Credit cards come with certain fees that vary depending on the card variant you choose. These may include joining fees, annual fees, late payment charges, cash withdrawal fees, and more. Refer to our Most Important Terms and Conditions (MITC) for full details on applicable charges.

Credit Card – Dos and Don’ts

✔️ Dos

  • Pay your bills on time – Avoid interest and late fees.
  • Use a card within your limit – Helps maintain a good credit score.
  • Monitor your transactions regularly – Spot and report unauthorized charges early.
  • Activate card controls – Set usage limits, enable/disable online, ATM, and international usage via FedMobile.
  • Redeem rewards wisely – Use Federal Rewards or partner apps to maximise benefits.

❌ Don’ts

  • Don’t share your PIN, OTP, or CVV – Even with friends or over calls.
  • Don’t withdraw cash unless necessary – Cash advances attract high fees and interest.
  • Don’t miss your due date – It affects your credit score and invites a penalty.
  • Don’t ignore offers’ terms – Read fine print on EMI, rewards, or welcome gifts.
  • Don’t use public Wi-Fi for transactions – Prevents data theft or fraud.
 
🧠 Smart Tip: Use your Federal Bank Credit Card wisely to enjoy its rewards, convenience, and peace of mind.