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Federal BankWhile searching for the perfect credit card, we often look for ones with minimal fees and maximum benefits. Whether we are first-time credit card users or avid users, we all love lifetime free credit cards that come without any joining or annual fees. Those of us looking for a no-annual-fee credit card will be thrilled to know that Federal Bank offers all its credit cards as lifetime free. Whether on the RuPay, Mastercard, or Visa network, everyone can take advantage of a lifetime free credit card offered by Federal Bank. These cards are highly rewarding and offer numerous benefits including free airport lounge access, BOGO offers on movies, and exciting welcome benefits. We have compiled a detailed list of all the lifetime free Federal Bank credit cards so that those looking to apply for one can easily make their choice.
Table of Contents
List of Best Federal Bank LTF Credit Cards
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The Federal Bank RuPay Signet Credit Card stands out primarily because it’s a lifetime free card, meaning there are no joining or annual renewal fees attached to it. Right from the start, cardholders receive a welcome benefit in the form of an Amazon e-voucher worth ₹200 upon spending ₹3,000 within 30 days of receiving the card. This card is quite rewarding for regular spending as it offers up to 3X reward points for every ₹100 spent, which can be redeemed at the Federal Rewards portal, making shopping, dining, and entertainment experiences more enjoyable. Cardholders can indulge in the ‘Buy One Get One Free’ movie ticket offer every quarter and enjoy discounts of up to 15% on dining across numerous restaurants. The added perks of this card include one complimentary domestic lounge access quarterly and personal accident insurance coverage of ₹2 Lakhs.
Joining Fee
Renewal Fee
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The Federal Bank Visa Imperio Credit Card is a standout option, emphasizing rewards and benefits catering to an individual’s everyday needs. This lifetime free credit card doesn’t come with any joining or renewal fees, making it an attractive choice for budget-conscious users. Cardholders can earn up to 3X reward points for every ₹100 spent on groceries and healthcare, making everyday purchases more rewarding. The card offers exclusive entertainment perks, including a Buy 1 Get 1 Free offer on Inox movie tickets and up to 15% off through the FedDelights Program on dining. It also enables 2 complimentary domestic airport lounge accesses every quarter, enhancing travel experiences and providing a fuel surcharge waiver, enhancing savings on fuel transactions. The Amazon gift voucher welcome benefit and the opportunity to earn Big Basket gift vouchers as milestone benefits further add to its appeal.
Joining Fee
Renewal Fee
Best Suited For
Movies | Travel
Reward Type
Reward Points
Welcome Benefits
Card Details +
The Federal Bank Celesta Credit Card is an exceptional choice for those seeking a high-value, cost-effective financial tool. With no joining fee or renewal fee, it is notably a lifetime-free credit card, making it an ideal option for individuals who wish to avoid annual expenses often associated with premium credit cards. Cardholders receive an Amazon gift voucher worth ₹600 as a welcome gift. For travelers, complimentary lounge access domestically and internationally enhances their travel experiences. Movie buffs can enjoy a Buy 1 Get 1 free ticket offer at Inox cinemas, and foodies can avail of up to 15% dining discounts. Every ₹100 spent can earn you up to 3X reward points, with redemption options available for these points at Federal Rewards. The card offers a 1% fuel surcharge waiver, making fuel purchases slightly cheaper.
Comparison of LTF Cards from Federal Bank
| Features | Federal Bank RuPay Signet Credit Card | Federal Bank Visa Imperio Credit Card | Federal Bank Visa Celesta Credit Card |
| Joining/Renewal Fee | Nil | Nil | Nil |
| Reward Rate |
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| Reward Redemption |
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| Welcome Benefits | Amazon voucher worth ₹200 | Amazon voucher worth ₹400 | Amazon voucher worth ₹600 |
| Dining/Movie Perks |
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| Travel Benefits | 1 complimentary airport lounge access every quarter (4 annually) | Two domestic airport lounge access every quarter (8 annually) |
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Benefits of Federal Bank LTF Credit Cards
The following are the benefits provided by Federal Bank lifetime free credit cards.
- Earning reward points on every purchase and redeeming them for various rewards adds value to everyday spending.
- Enjoy exclusive discounts on movie tickets and dining experiences.
- Complimentary domestic and, in some cases, international airport lounge access, offering comfort and a premium experience during travel.
- Personal accident insurance coverage and fuel surcharge waivers with certain cards add an extra layer of financial protection and savings on fuel purchases.
How to Apply for a Lifetime Free Federal Bank Credit Card?
Follow these steps to apply for Federal Bank lifetime free credit cards –
- After choosing the credit card of your preference, click on Apply Now.
- You will be redirected to the official website of Federal Bank.
- Fill in all your essential details with all the documents required.
- Click on Submit, and your request for a new credit card has been sent.
Bottom Line
The Federal Bank offers three Lifetime-Free Credit Cards: RuPay Signet, Visa Imperio, and Visa Celesta. These cards do not have any joining or renewal fees. They provide benefits such as reward points, discounts on dining and movies, and complimentary domestic and international lounge access. Each card comes with a welcome gift of an Amazon e-voucher. Some cards also offer personal accident insurance coverage and fuel surcharge waivers. These cards suit individuals looking for value and convenience in their financial tools.
Federal Bank has also launched the LTF Wave Credit Card, a virtual card, to match the fast-paced need for digital payments.
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