Federal Bank Credit Card

• Lifetime Free: Federal Bank offers several lifetime-free credit cards like Federal Bank Scapia, Signet, Celesta, Imperio and others. These cards allow the user to maximise their savings as they do not have to pay any joining or annual fee. 
• Global Acceptance: These credit cards can not only be used domestically within India, but internationally as well for a variety of spends, including travel, shopping, dining, entertainment, etc. Moreover, credit cards like Federal Bank Scapia come with zero forex mark-up charges, thus reducing the overall cost of international purchases.
• Airport Lounge Access: Many Federal Bank credit cards come with complimentary access to domestic airport lounges which makes the travel experience more convenient for the cardholders.
• UPI on RuPay Cards: You can get RuPay network variants of many Federal credit cards which allow you to make UPI transactions using your credit card.
• Lifestyle Benefits: Many Federal Bank credit cards come with lifestyle-related benefits like discounts on movies and bonus vouchers that can be used for shopping, dining and other such category spends.
• Add-on Cards: Federal credit card users can apply for add-on cards that can be used by their immediate family members. This lets the users to maximise their savings through optimum usage of card benefits.

The fees and charges for Federal Bank credit cards may vary from card to card. However, some common fees and charges applicable to all the credit cards are mentioned in the table below:

Certain charges may vary from card to card. Please refer to the terms and conditions for card variants separately. For other fees and charges, terms, and conditions related to Federal Bank Credit Cards, click here.

Federal Bank offers credit cards to people who have maintained a good credit score. However, people who are new to credit may also apply for some of these cards. Below mentioned are the basic eligibility criteria that you must satisfy with the documents required by the bank while applying for any of the credit cards:

• Age: Min.18 years for a secured card and min. 21 years for unsecured Federal credit cards
• Nationality: Indian resident or a Non-resident Indian (NRI)
• Occupation: Both salaried and self-employed individuals can apply for Federal Bank credit cards
• Documents Required: Click here to see the list of documents required to apply for Federal Bank Credit Card

Q. How can I apply for Federal Bank Credit Card?
A. You can apply for any of the Federal Bank credit cards through both online as well as offline modes. To apply online, you can visit the official website of the bank. However, to apply offline, you can visit the nearest branch of the bank and fill out the application form.

Q. What happens if I cross the credit limit of my Federal Bank Credit Card?
A. If you make a transaction that exceeds the available credit limit on your credit 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. However, the bank can also reject your transaction. This is decided by the bank as per your eligibility, income and other factors.

Q. How can I update my mobile number or email address?
A. You can update your registered mobile number or email address by visiting the nearest branch of the bank. However, you can also do the same through the net banking facility provided by the bank. You can login to the net banking portal using your credentials, and submit the request to change your mobile number or email address. However, the bank will ask for confirmation before proceeding with the same.

Q. What is the maximum credit limit for Federal Bank credit cards?
A. The maximum credit limit varies from card to card. The credit limit is decided by the bank after scrutinizing your application. The bank considers your eligibility, income, credit history and other factors while deciding your credit limit. So, you will get to know your credit limit only after applying for the credit card.

Q. Who can apply for Federal Bank credit cards?
A. The eligibility criteria vary from card to card. However, you must meet the basic eligibility criteria, i.e. the applicant’s age must be above 18 years to apply for any of the credit cards. Additionally, the applicant should have a regular source of income and should be able to produce relevant documents as proof of identity, address and income.

Q. Is Federal RuPay Wave Credit Card a good choice?
Federal RuPay Wave Credit Card is a floater card linked to a user’s primary Federal Bank Credit Card. Offered with a shared credit limit, the card is only for the existing cardholders.  With RuPay integration, it offers up to 10% cashback on UPI transactions and bonus reward points as milestone benefits.

Q. How do I contact Federal Bank Credit Card customer care?
A. If you have any query regarding your Federal Bank Credit Card, you can get in touch with the Federal Bank’s credit card customer care by calling on their helpline numbers 18004251199 or 18004201199 for PAN India and 04842360994 for abroad. Apart from this, you can send your queries through online submissions on the official website of Federal Bank.

Q. Can I use Federal Bank credit cards for international transactions?
A. Yes, Federal Bank Credit Cards can be used to make international transactions as they come with global assistance.

Q. Are there any co-branded cards with travel or shopping benefits?
A. Yes, Federal Bank has collaborated with Scapia, a travel platform, to offer Scapia Federal Bank Credit Card. Other co-branded cards, like AmpliFi  and MagniFi Fi-Federal credit cards, primarily come with shopping focused benefits in the form of vouchers, rewards and discounts.

Q. What should I do if my card is lost or stolen?
A. In case your Federal Bank credit card is lost or stolen, you must report it and block your card as soon as possible. This can be done through various methods, including calling a contact centre, visiting your nearest Federal bank branch or through FedMobile (mobile banking), FedNet (internet banking) or an SMS.

Q. How do I block or temporarily freeze my credit card?
A. You can block your Federal Bank credit card by calling on toll-free numbers 1800- 425 -1199, 1800-420-1199 or +91-484- 2630994 (for those living abroad). You may also send your request with your card details through an email on creditcards@federalbank.co.in. Another way to block your Federal credit card is to log in to your FedNet account and click on ‘Credit Card’ module on the home screen, select ‘Manage Credit Card’ and follow the process by clicking on the ‘Report Credit Card’ option.

Q. Is there a balance transfer option available for Federal Bank?
A. Yes, Federal Bank offers the credit card balance transfer option. You can transfer your existing credit card outstanding balance to your Federal credit card at a lower interest rate of around 0.83% per month, zero processing fees and choose between repayment tenures of 3 and 6 months.

Q. Does Federal Bank offer cashback or fuel surcharge waivers?
A. Federal Bank credit cards offer a fuel surcharge waiver of 1%. However, instead of cashback, they offer reward points on your card spends which can later be redeemed as per your preference against Federal Rewards catalogue.

Q. What is Federal Bank credit card reward points system like? How do I earn and redeem them?
A. You can earn reward points by using your Federal Bank Credit Card to make any online or offline purchase. The accrued reward points can be redeemed against a variety of options, including merchandise, movie tickets, and vouchers of restaurants, lifestyle brands or other shopping stores. You can redeem your reward points by logging into the Federal Rewards website or FedMobile app.

Q. Can I withdraw cash using Federal Bank Credit Card?
A. Yes, you can withdraw cash using your Federal Bank Credit Card through domestic as well as international ATMs. However, the bank will charge a cash advance fee worth 2.5% of the transaction amount or Rs. 500, whichever is higher. In addition to this, a high interest rate is also applicable on the withdrawn amount from the date of withdrawal itself. Therefore, it is advised not to withdraw cash using a credit card as it can cost you high additional charges and negatively impact your credit score.

Suggested Read: Complete Guide to Credit Card Cash Withdrawal Charges