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Federal Bank Credit Card Features and Benefits
Federal Bank offers credit cards, of which, one is a basic card which one can use for everyday spends and the other being a premium card that comes with benefits on travel and hotels.
Federal Bank SBI VISA Gold & More
Best Suited For: Reward Points
Fuel Surcharge Waiver – Get 1% fuel surcharge waiver with this card and
Reward Points – Earn Extra reward points on groceries and other categories
Dining Privileges – Get attractive discounts at partner restaurants across the county
Utility Bill payment facility– Just register for this service and your entire bill payments will be taken care by Federal Bank
Similar Card: ICICI Coral Contactless
Federal Bank SBI Visa Gold N More credit card is not available on Paisabazaar’s platform. Kindly contact the bank officials to apply for this card.
Federal Bank SBI Visa Platinum Credit Card
Best Suited for: Travel
Fuel Waiver– Get 1% fuel waiver across all petrol stations
Reward Points – Earn Extra reward points on all your grocery shopping
Dining Benefits – Get attractive discounts at partner restaurants across the country
Access to Airport Lounge-You can get complimentary access to executive Lounges at selected Airports across the world
Access to One of the best Golf courses across the world– Enjoy the right of entry into the finest green ranges across the world
Free Air Tickets & gift Vouchers– You will be rewarded with Free Air tickets and gift Vouchers on your yearly spending.
Attractive discounts while you travel– Enjoy attractive discounts on Car rents, Hotels, Resorts while you are on your holidays anywhere in the world
Fraud Insurance– You will get a fraud cover of up to Rs.100000
Similar Card: MakeMyTrip ICICI Signature
Federal Bank SBI Visa Platinum is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.
Federal Bank Credit Card Fee and Charges
|Annual/Renewal Fee||Varies from Card to Card|
|Extended Credit Interest Free Credit Period||20-50 days applicable only on retail purchases and if previous months’ outstanding balance is paid|
|Extended Credit Charges||Up to 3.35% per month, accounting to 40.2% per annum from the transaction|
|Extended Credit Minimum Amount Due||5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)|
|Cash Advance limit||Up to 80% of credit limit, with a maximum of Rs. 12,000 per day|
|Cash Advance Charges||Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal|
|Cash Advance Fee SBI or Other Domestic ATMs||2.5% of transaction amount, subject to a minimum of Rs. 300|
|Cash Advance fee International ATMs||3% of transaction amount, subject to a minimum of Rs. 300|
|Overlimit Charges||2.5% of overlimit amount subject to a minimum of Rs. 500|
|Late Payment Fee|
Federal Bank Credit Card Eligibility and Documents Required
There are certain criteria that Federal Bank looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.
Along with that, you will also need to submit a few documents which become the basis for the bank to decide whether you will be eligible for the card applied and also to determine the credit limit on your card.
Documents Required for Federal Bank Credit Card:
|Proof of Identity||PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI|
|Proof of Address||Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement|
|Proof of Income||Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement|
How to apply for Federal Bank Credit Card?
If you want to apply for Federal Bank credit card, you have to visit the nearest the Federal Bank branch. The bank executives will guide you with the process. You will have to submit the required documents to apply for the credit card. Once your credit card application is accepted, it will be delivered to your mentioned address within 7-10 working days.
Federal Bank Credit Card Customer Care
For any issues related to your credit card, you can contact the bank at the below mentioned numbers:
PAN India – 1800 – 425 – 1199 Or 1800 – 420 – 1199
Abroad – 080-61991199
Federal Bank Credit Card FAQs
How can i apply for Federal Bank credit cards?
You can apply for the credit cards either online or offline by visiting the nearest bank branch.
How can I pay my credit card bills?
There are several modes to pay your credit card bills-
- Net Banking
- Debit Card
- Mobile app
What happens if I cross my credit limit?
If you make a transaction that exceeds the available credit limit on his card, it is completely at the bank’s discretion to approve or reject the transaction. If the transaction is approved, an over-limit fee will be charged on the amount.
How to update mobile number or email address?
The customer can do so through branch banking, that is, by visiting the nearest Federal Bank branch. If you use the net banking facility of Federal Bank, you can initiate the update by logging into it.