Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

Federal Bank Lifetime Free Credit Cards

cc-freeAirport Lounge Access
with every credit card
cc-illustration
Get apb-pass-chipwith Every Card

Choose a Card Matching
Your Lifestyle

Best Federal Bank Lifetime Free Credit Cards

Travel

Lounge Access

Joining fee ₹0|Renewal Fee ₹0

Unlimited domestic airport lounge access

Up to 20% Scapia coins on card spends

No forex mark-up on international spends

Compare

Travel

Rewards

Joining fee ₹0|Renewal Fee ₹0

Low foreign currency markup fee of 2%

Domestic & international lounge visits

2X reward points on dining spends

Compare

Rewards

Joining fee ₹0|Renewal Fee ₹0

3x rewards on electronics and apparel

Buy-one-get-one on INOX movie tickets

4 free domestic airport lounge per year

Compare

Rewards

Joining fee ₹0|Renewal Fee ₹0

3x rewards on health care and grocery

Buy one, get one INOX movie tickets

2 free domestic airport lounge visits

Compare

Federal Bank Lifetime Free Credit Cards: Features & Benefits

Below mentioned are the features and benefits of top lifetime free credit cards offered by Federal Bank:

1. Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card is a travel credit card that offers rewards on travel bookings and everyday purchases. It is suitable for frequent travellers looking to earn Scapia Coins, save on international transactions and avail airport lounge access.

  • 20% Scapia Coins on all the travel bookings made on the Scapia app
  • 10% Scapia Coins on online and offline transactions worth Rs. 20 or more made across all merchants in India via Visa card
  • No foreign currency exchange fee is charged on the international payments
  • Unlimited domestic airport lounge access on spending at least Rs. 20,000 per month
  • Up to Rs. 1,000 back as rewards on shopping, dining and spa services at domestic airports on Rs. 20,000 monthly spends
  • Up to Rs. 2,000 back as rewards on duty-free shopping and dining at international airport terminals in India on every Rs. 40,000 spent on international flight ticket via Scapia app

2. Federal Bank Celesta Credit Card

Federal Bank Celesta Credit Card offers reward points on travel, international transactions, dining and other eligible purchases. It is suitable for cardholders looking for a combination of lifestyle and travel benefits, including complimentary airport lounge visits, movie ticket offers and a welcome voucher.

  • 3X reward points on travel & international spends
  • 2X reward points on spends at dining
  • 1X reward points on spends at other categories
  • Low forex markup fee of 2%
  • 2 complimentary international lounge visits in a year
  • 2 complimentary domestic lounge visits in a quarter on spending Rs. 60,000 in the previous quarter
  • Buy 1 Get 1 Offer on movie tickets at INOX
  • Amazon Pay e-voucher of Rs. 600 on spending Rs. 10,000 within first 30 days

3. Federal Bank Signet Credit Card

Federal Bank Signet Credit Card is designed for cardholders who frequently spend on electronics, apparel and entertainment. It offers accelerated reward points on select categories, along with benefits such as domestic airport lounge access, movie ticket offers and a Swiggy voucher on meeting the applicable spending criteria.

  • 3X rewards on electronics and apparel categories spends
  • 2X rewards on entertainment spends
  • 1X reward on other spends
  • 1 complimentary domestic airport lounge visits on a min. spend of Rs. 20,000 in previous quarter
  • Amazon Pay e voucher worth Rs. 200 on a min. spend of Rs. 3,000 in the first month of card activation
  • Free Swiggy voucher on min. quarterly spend of Rs. 20,000
  • Buy-one-get-one on INOX movie tickets, per quarter

4. Federal Bank Imperio Credit Card

Federal Bank Imperio Credit Card is suitable for cardholders who want to earn rewards on everyday household expenses, including groceries, healthcare and utility bill payments. It offers accelerated reward points on these categories, along with benefits such as domestic airport lounge access, INOX movie ticket offers and a welcome voucher.

  • 3X rewards on health care and grocery category spends
  • 2X rewards on spend on utility such as bill payments for electricity, gas, mobile etc
  • 1X rewards for other spends
  • 2 complimentary domestic airport lounge visits on a min. spent Rs. 40,000 in the previous quarter
  • Amazon Pay e-Voucher worth Rs. 400 on a min. spend of Rs. 5,000 in the first month
  • Free Big Basket voucher on a min. spend of Rs. 50,000 quarterly
  • Buy one, get one INOX movie ticket offer every quarter

Federal Bank Lifetime Free Credit Cards: Fees & Charges

Below mentioned are some of the common fees and charge of best Federal Bank lifetime free credit cards:

Type of Fee/Charge Amount
Joining Fee Varies from card to card
Annual Fee Varies from card to card
Finance Charges 1.99%–3.75% p.m. (23.88%–45% p.a.)
Late Payment Fee On outstanding balance of:

  • Less than Rs. 100: Nil
  • Rs. 100 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 10,000: Rs. 600
  • Rs. 10,001 to Rs. 25,000: Rs. 750
  • Rs. 25,001 to Rs. 50,000: Rs. 950
  • More than Rs. 50,000: Rs. 1,000

Federal Bank Lifetime Free Credit Cards: Eligibility Criteria

The eligibility criteria for a Federal Bank lifetime free credit card may vary by card variant and the bank's credit assessment policy. Applicants generally need to meet the following requirements:

  • Age: 18/21 years
  • Nationality: Indian National
  • Annual Income: The bank determines credit card eligibility and the applicable credit limit based on factors including annual income.

How to Apply for a Federal Bank Lifetime Free Credit Card

Eligible applicants can apply for a Federal Bank credit card through the bank's official website or the designated application platform for the selected card. The general application process is as follows:

1. Visit the official website: Open Federal Bank's credit card section or the designated application page for the chosen card.

2. Select a credit card: Compare the features, reward structure, fees and eligibility requirements of the available variants.

3. Enter personal details: Provide the requested information, such as name, mobile number, date of birth and other basic details.

4. Complete verification: Submit the required employment, income, identity and address information, and complete the applicable KYC process.

5. Review the details: Check the joining fee, annual fee, applicable conditions and card-specific terms before submitting the application.

6. Submit the application: Complete the process and wait for the bank to assess the application. Approval and card issuance are subject to the bank's policies.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Does a Federal Bank lifetime free credit card have an annual spending requirement?

No, a Federal Bank lifetime free credit card generally does not require cardholders to meet an annual spending target to avoid membership fees. However, certain benefits, such as airport lounge access, welcome rewards and merchant vouchers, may require minimum spending. Cardholders should check the terms and conditions of their specific card.

Which Federal Bank Credit Card is best without an annual fee?

The best Federal Bank credit card without an annual fee depends on the cardholder's spending habits. Federal Scapia Credit Card is suitable for travel benefits, Celesta for premium lifestyle benefits, Signet for shopping and entertainment, and Imperio for everyday expenses such as groceries, healthcare and utility payments.

How do I know if my Federal Bank Credit Card is lifetime free?

Cardholders can check their credit card approval letter, welcome communication, cardholder agreement or Most Important Terms and Conditions (MITC) to confirm whether the joining fee and annual membership fee are nil. They can also contact Federal Bank's customer care to verify the applicable fee terms for their card.

Can an existing Federal Bank Credit Card be converted to lifetime free?

An existing Federal Bank credit card may qualify for an annual fee waiver, depending on the bank's policies and the cardholder's eligibility. However, conversion is not guaranteed. Cardholders can contact Federal Bank to check whether their card is eligible and request written confirmation of any approved change in fee terms.

Does getting an LTF Federal Bank Credit Card affect my CIBIL score?

Applying for a lifetime free Federal Bank credit card may result in a hard enquiry on the applicant's credit report, which can temporarily affect the CIBIL score. Once issued, the card can help build a credit history through timely repayments and responsible usage. The lifetime-free status itself does not directly affect the score; the impact depends on the credit enquiry and subsequent repayment behaviour.

Disclaimer

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Scroll to top