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Fi AmpliFi Credit Card

Federal Bank
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Cashback Lifestyle Rewards Shopping Travel

Annual Fee

₹2,000

Rewards/₹100 ⓘ

₹0.60 - ₹3.00

Normalized to balance base rate with bonus categories

Interest Rate

41.88%

Credit Score

750+

At a Glance

Key Benefits

3% on 20+ brands, zero forex, Rs 4,250 welcome vouchers, monthly BookMyShow BOGO

Lounge Access

1 domestic lounge visit per quarter on Rs 10,000 spend (4 visits/year)

Eligibility

Age: 18-60 years, Income: Rs 25,000+/month, CIBIL: 750+, Indian resident

Quick Details

Annual Fee
₹2,000 #221
Joining Fee
₹2,000 #223
Interest Rate
41.88% p.a. #88
Forex Markup
0.00% #1
Rewards/₹100
₹0.60 - ₹3.00 #101
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
1/year #120
Min Credit Score
750+ #186
Min Monthly Income ₹20
Network VISA
Late Payment Fee ₹100
Over Limit Fee ₹500 2.50% (min ₹500)
EMI Processing Fee ₹200 2.50% (min ₹200)
Fee Waiver on Spend ₹2,50,000/yr

Reward Structure

Base

All Spends

₹0.60 /₹100
Cat

Top 20+ Brands (Amazon, Flipkart, Swiggy, BigBasket, Myntra, Zomato, Uber, DMart, etc.)

₹3.00 /₹100

Reward Calculator

₹
Allocate by Category100%
Top 20+ Brands (Amazon, Flipkart, Swiggy, BigBasket, Myntra, Zomato, Uber, DMart, etc.)
100.0 pts
60%₹30,000
Other Spends
20.0 pts
40%₹20,000
Your Rewards
Points Earned29,000
Cash Value₹870
Breakdown
Top 20+ Brands (Amazon, Flipkart, Swiggy, BigBasket, Myntra, Zomato, Uber, DMart, etc.)25,000
Other Spends4,000
Total Value₹870
Quick amounts:

Milestone Benefits

Welcome Bonus

Welcome vouchers: Zomato Rs 1,000 + Uber Rs 500 + Myntra Rs 1,000 + SonyLiv 1-year Rs 999 + Croma Rs 750

Spend ₹1

₹4,250

value

Milestone

Annual fee waiver Rs 2,000 + JioCinema annual membership Rs 999

Spend ₹2,50,000 within 365 days

₹2,999

value

Milestone

2x Priority check-in & baggage assistance Rs 2,000 + MakeMyTrip gift card Rs 2,000

Spend ₹4,00,000 within 365 days

₹4,000

value

Airport Lounge Access

Domestic Free
1

visits per quarter

Requires Rs.10,000 quarterly spend

Lifestyle Perks

Movie

1 /month

BookMyShow BOGO (Buy 1 Get 1 Free) up to Rs 200 per month on movies, events, concerts

Dining

1

Exclusive dining discounts via EazyDiner platform

Other

1

Fi-coins redemption: Cash, air miles, product catalog, gift cards, hotel points (no redemption fee)

Other

1

Choose your own billing cycle and set personalized payment reminders

Other

1

Consolidated spend insights and category tracking via Fi Money app

Quick Analysis

Fi AmpliFi Credit Card is an excellent choice for users who frequently shop on top e-commerce and lifestyle brands. The 3% cashback on 20+ premium brands, combined with zero forex markup and strong milestone benefits, makes it valuable for both online shoppers and international travelers. However, the low base reward rate and limited lounge access may not appeal to those seeking comprehensive premium benefits.

Pros

  • 3% value back on top 20+ brands (Amazon, Flipkart, Swiggy, etc.)
  • Zero forex markup on international transactions
  • Welcome benefits worth Rs 4,250 against Rs 2,000 joining fee
  • No monthly cap on earning and redemption of Fi-coins
  • Fi-coins never expire (2-year validity, auto-renewed on usage)
  • Quarterly lounge access with low Rs 10,000 spend criteria
  • Annual fee waiver on Rs 2.5 lakh spend
  • Monthly BookMyShow BOGO offer up to Rs 200
  • Milestone benefits worth Rs 7,000 on Rs 4 lakh annual spend
  • Fully digital app-based card management

Cons

  • Low base reward rate of only 0.6% on most spends
  • High joining and annual fee of Rs 2,000 each
  • 5X rewards (3%) requires Rs 15,000 monthly spend
  • Only 4 lounge access visits per year (quarterly)
  • No travel insurance or personal accident coverage
  • High interest rate of 41.88% per annum
  • Limited lounge access compared to premium cards
  • Rent, wallet, and gold spends excluded from milestones

Best For

Online shoppers, frequent travelers, fintech-savvy users, Amazon/Flipkart/Swiggy regulars

Not Ideal For

Users seeking comprehensive insurance, high base rewards, or extensive lounge access

Frequently Asked Questions

What are Fi-coins and how do they work?
Fi-coins are reward points earned on every spend. You get 100 Fi-coins per Rs 100 spent on top 20+ brands (3% value back) and 20 Fi-coins per Rs 100 on all other spends (0.6% value back). 100 Fi-coins = Rs 3. They expire after 2 years but validity gets extended on continued usage.
Which are the top 20+ brands for 3% cashback?
The top brands include Amazon, Flipkart, Swiggy, Zomato, BigBasket, Myntra, Uber, Ola, DMart, Croma, Cleartrip, Yatra, Vistara, Lifestyle, Apollo Pharmacy, BookMyShow, Dominos, Zepto, Decathlon, Shoppers Stop, and Urban Company.
Is there any minimum spend to earn 5X (3%) rewards?
Yes, to earn 100 Fi-coins per Rs 100 (3% value back) on top brands, you must spend at least Rs 15,000 in a statement cycle. Below Rs 15,000 monthly spend, you will earn only the base rate of 20 Fi-coins per Rs 100.
How can I get the annual fee waived?
The annual renewal fee of Rs 2,000 is waived in the second year if you spend Rs 2.5 lakh or more in the first year. You also receive a free JioCinema annual subscription worth Rs 999 on achieving this milestone.
What are the lounge access benefits?
You get 1 complimentary domestic airport lounge visit per calendar quarter if you spend Rs 10,000 or more in that quarter. This gives you up to 4 free lounge visits per year. Unused visits do not carry forward to next quarter.
What is the BookMyShow BOGO offer?
You can buy one movie, event, or concert ticket and get one free (up to Rs 200 discount) once per calendar month. If the ticket price exceeds Rs 200, you pay the difference. Minimum 2 tickets must be booked to avail the offer.
Is there really zero forex markup on international transactions?
Yes, Fi AmpliFi charges 0% forex markup on international transactions, making it one of the best cards for foreign travel and online international shopping. You only pay the standard Visa exchange rate without any additional markup.
How do I redeem Fi-coins?
Fi-coins can be redeemed instantly through the Fi Money app for cash (statement credit), air miles, vouchers from 21+ brands, hotel points, or products. There is no redemption fee, no minimum threshold, and redemptions are processed immediately.
What are the milestone benefits on higher spending?
On spending Rs 2.5 lakh annually, you get annual fee waiver (Rs 2,000) + JioCinema subscription (Rs 999). On spending Rs 4 lakh annually, you additionally get 2x priority check-in & baggage assistance (Rs 2,000) + MakeMyTrip gift card (Rs 2,000). Total milestone benefits worth Rs 7,000.
Are there any exclusions for milestone benefits?
Yes, rent payments, wallet loads (PayTM, Mobikwik, etc.), and gold purchases do not count towards the Rs 2.5 lakh or Rs 4 lakh milestone spend requirements.
What is the interest rate on unpaid balances?
The interest rate is 3.49% per month (41.88% per annum) on unpaid balances. You get up to 48 days interest-free period if you pay the full balance by the due date.
Who issues the Fi AmpliFi Credit Card?
The Fi AmpliFi Credit Card is a co-branded credit card issued by Federal Bank in partnership with Fi Brand Pvt Ltd (Fi Money). It runs on the Visa network and starts with the BIN 46673000.

User Reviews

Our Rating

3.5
APPLY NOW

on Federal Bank's website

Rating Breakdown

Rewards
4.0/5 Top 41%
Benefits
2.9/5 Top 28%
Fees
3.6/5 Top 73%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

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