Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Federal Bank is one of the major private sector banks in India, and it became the first Indian bank to computerize all its branches. With its international representative offices in Abu Dhabi, Oman, Kuwait, Dubai, and Qatar, the bank has more than 1,350 branches spread across different states in India. It offers some exclusive products and services and has become a popular bank. Along with this, it is also a well-known card issuer, as thousands of individuals in the country desire Federal Bank Credit Cards.
The bank aims to become the most admired bank in the country and to focus sharply on small, medium, and middle enterprises. Regarding its credit card offerings, the bank issues a lesser number of cards than other major card issuers in the country, but all the Federal Bank Cards are among the most exclusive ones in the market. The bank currently has over 9 lakh credit card customers in the country (as of January 2024). In this article, we will discuss all the Federal Bank Credit Cards and their features, fees & charges, and every other important information in detail. Keep reading for further information:
Federal Bank currently has a total of four credit cards in its portfolio, of which three are issued on the Visa network and one on the RuPay platform. Other than these cards, Federal Bank also offers a few cards in partnership with SBI Card. All the Federal Bank Cards offer exciting benefits and can be best suited for different segments of individuals. In this article, you can find the list of best Federal Bank Credit Cards and their detailed advantages:
Shopping |
Reward Points
Movies | Travel | Shopping |
Reward Points
Movies | Travel |
Reward Points
Federal Bank offers several credit cards, each having its own advantages. Each card is targeted at a different segment of people and comes with exclusive privileges across various categories. Some of the general benefits that you may get with all the Federal Bank Cards are as follows:
The credit cards issued by the Federal Bank in are:
Federal Visa Celesta Credit Card is issued by the bank targeting high net-worth individuals. This card comes with exclusive benefits over almost all the categories, including travel, dining, entertainment, reward offers, and many more. Moreover, with a very nominal joining fee, the card has all the advantages of a premium credit card that make it even more attractive. Some of the main features of this card include:
Federal Visa Imperio Credit Card is also among the newly launched credit cards by the bank and targets family-oriented individuals. Keeping the requirements of its targeted audience in mind, the card provides all the exclusive benefits and reward offers that one can expect. From reward offers to shopping benefits to travel benefits, the card comes with exciting saving opportunities and offers. The key features of this card include:
The Federal Visa Signet Credit Card targets young professionals and hence comes with rewards and benefits suiting their requirements. It is a highly affordable credit card and has advantages over several categories, including shopping, travel, dining, entertainment, etc. Other than all the benefits, the card also allows you to save more and more through the fuel surcharge waiver & annual fee waiver provided with it. Following are some of the key features of the card:
The Signet Credit Card is also issued on the RuPay network, and the features and benefits of the RuPay variant are very similar to that of the Visa variant mentioned above. Other than this, Federal Bank also has the Scapia Credit Card in the Fintech Cards category.
As discussed earlier, all the credit cards offered by the Federal Bank come with different reward rates, i.e, you may earn more reward points with one card and lesser with the other. Moreover, the reward rate can also be different for different categories, and this is one of the most important things to be checked while choosing the right credit card for yourself. The reward rates of the top Federal Bank Credit Cards are given below in the table:
Credit Card | Reward Points |
Federal Bank Visa Celesta Credit Card |
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Federal Bank Visa Imperio Credit Card |
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Federal Bank Visa Signet Credit Card |
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The Reward Points you earn using your Federal Bank Cards can be redeemed via the Federal Rewards portal against a wide range of options including shopping, recharges, gift vouchers, and many more. Just log in to the portal using your credit card details and redeem your earned points at a rate of 1 Reward Point = Re. 0.25. Also, these reward points are only valid for one year from the date of accrual. Therefore, you need to make sure that you redeem your earned rewards before they expire as then only you will be able to maximize the benefits of your card.
When you try to find the best credit card for yourself, you should compare different credit cards on the basis of various factors, and one of the most important factors to be considered here is the annual fee of a credit card. Different segments of individuals might look for different types of cards depending on how much they can afford and what benefits they look for. People having a higher income generally go for high annual fee credit cards, and those who have an average income prefer low annual fee credit cards. You can avail of all of the Federal Bank Credit Cards at zero joining and annual charges. From April 2023 onwards, Federal Bank has made all of their credit cards lifetime-free.
Other than the joining and annual fee, there are a lot of important fees & charges that you should check for before applying for a credit card. These charges include cash advance fees, interest charges, forex markup fees, late payment fees, over-limit charges, etc. Some of the most important charges associated with the Federal Bank Credit Cards are given below in the table:
Credit Card | Interest Rate | Forex Markup Fee |
Federal Bank Visa Celesta Credit Card | 0.49% to 3.49% per month | 2% |
Federal Bank Visa Imperio Credit Card | 0.49% to 3.49% per month | 3.5% |
Federal Bank Visa Signet Credit Card | 0.49% to 3.49% per month | 3.5% |
The eligibility criteria required for the Federal Bank Cards depend upon various factors, including the applicant’s age, income, existing relationship with the bank, credit history, etc. The criteria that need to be fulfilled by the applicants in order to get approved for the Federal Bank Credit Cards are mentioned below:
For more detailed information about Federal Bank Credit Card eligibility criteria, click here.
To apply for a credit card from the Federal Bank, you will also need a few documents, including identity proof, address proof, income proof, etc. The list of all the required documents as mentioned below. Make sure to keep all these documents handy before filling in the application form:
If you want to apply for a Federal Bank Credit Card, you can do it online as well as offline at your convenience. To apply offline, you will have to visit your nearest Federal Bank branch with all the required documents and apply by filling in the physical application form. To apply online, you can follow a few simple steps as mentioned below:
If you have already applied for a Federal Bank Card, you can track the status of your application by contacting the bank’s customer care via call or email. You can also check your application status via the Federal Bank’s digital assistant (chatbot), Feddy or by visiting your nearest branch with your application number and other required documents.
For more ways to check your application status, click here.
Once you receive your new Federal Bank Credit Card, you can get it activated using any of the below-mentioned methods:
For more detailed steps to activate your Federal Bank Card, check this page.
You can also register your credit card for internet banking and avail of various net banking services provided by the Federal Bank. Following are the steps to register your card for Internet banking:
For more detailed steps of Federal Bank Credit Card net banking login, click here.
In case of any queries or complaints regarding your Federal Bank Credit Card, you can contact the bank’s customer care executives via the following contact details: