Federal Bank Credit Cards 2025
Explore all credit cards from Federal Bank. 12 cards ranked by our experts.
Visit Official WebsiteShowing 12 cards
Federal Bank Celesta
APPLY NOW
on Federal Bank's website
Annual fee
₹1,500
Rewards rate
₹0.50 - ₹1.25/₹100
Joining fee
₹1,500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Dining, Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: International travelers, travel app users, budget-conscious users wanting premium benefits
Federal Bank Scapia
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹10.00 - ₹12.50/₹100
Joining fee
FREE
Interest rate
45.00%
Card details
Min Monthly Income ₹25
Categories Cashback, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime FREE - zero joining and annual fee
- 0% forex markup - saves 2-3.5% on international transactions
- 10% Scapia Coins on all spends (2% effective cashback)
- 20% Scapia Coins on travel bookings (4% cashback)
- Unlimited domestic lounge access (with Rs.10K spend)
- Dual network: Visa + RuPay for UPI credit
- No-cost EMI on travel bookings
- Virtual card activated instantly
Cons
- No rewards on international transactions (forex benefit only)
- No international lounge access
- Coins redeemable only for travel on Scapia app
- Categories excluded: rent, fuel, utilities, gift cards
- Standard 45% APR interest rate
- Airport benefits limited to domestic
Federal Bank Imperio
APPLY NOW
on Federal Bank's website
Annual fee
₹500
Rewards rate
₹0.25/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Fuel, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Federal Bank Visa Platinum
APPLY NOW
on Federal Bank's website
Annual fee
₹1,000
Rewards rate
₹0.50 - ₹0.75/₹100
Joining fee
₹1,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Weekend shoppers, online shopping enthusiasts, users seeking lifetime free cards, Amazon/Zomato regulars, budget-conscious millennials
Fi MagniFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.50 - ₹5.00/₹100
Joining fee
FREE
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Lifestyle, No Annual Fee, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees forever
- 5% cashback on all weekend spends (Saturday & Sunday)
- 20% instant discount on Amazon, Zomato, Zepto, BookMyShow (weekends)
- Up to 50% off on gift vouchers
- 1,000 Fi-Points welcome bonus on first Rs 1,000 spend
- Monthly reward cap of 2,000 Fi-Points (Rs 500 value) protects profitability
- Fi-Points never expire - redeem for cash, flights, miles, vouchers
- Fully digital app-based card management via Fi Money app
- Easy redemption - no minimum threshold or redemption fees
- Perfect for weekend warriors and online shoppers
Cons
- Very low weekday rewards - only 0.5% cashback
- No lounge access benefits whatsoever
- No travel or personal accident insurance coverage
- High forex markup of 3.5% (poor for international travel)
- High interest rate of 45% per annum on unpaid balances
- Monthly reward cap of 2,000 Fi-Points limits high spenders
- Partner discounts limited to 4 brands (Amazon, Zomato, Zepto, BookMyShow)
- Cash withdrawals not permitted on this card
- Fuel, utilities, wallets, rent excluded from rewards
- 20% partner discount capped at Rs 100 per brand per month
Best for: Travel, international transactions, dining, movies
Mastercard Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.17 - ₹0.50/₹100
Joining fee
FREE
Interest rate
32.28%
Card details
Forex Markup
2.00%
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
- Exclusive Mastercard cashback offers
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Travel, international transactions, dining, movies
Visa Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.17 - ₹0.50/₹100
Joining fee
FREE
Interest rate
32.28%
Card details
Forex Markup
2.00%
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Family expenses, healthcare, groceries, utility bills
Mastercard Imperio
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.17 - ₹0.50/₹100
Joining fee
FREE
Interest rate
32.28%
Card details
Forex Markup
3.50%
Categories Family, Grocery, Lifetime Free, Utility
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on healthcare and grocery spending
- 2x rewards on utility bill payments
- 2 domestic lounge visits per quarter
- Rs.400 Amazon voucher on Rs.5K spend in 30 days
- Rs.300 BigBasket voucher on Rs.50K quarterly spend
- 1% fuel surcharge waiver (up to Rs.100/month)
- BOGO movie tickets on INOX (once per quarter)
- Low APR starting from 8.28% per annum
- 15% dining discount via FedDelights program
Cons
- Very low base reward rate (0.17% on general spends)
- Annual fee waiver requires Rs.1.5L spend/year
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access vs premium cards
- Reward points valid for only 1 year
- Quarterly spend threshold for lounge access
- No international lounge access
- Lower point value vs competitors
Best for: Travel, dining, international transactions
Visa Imperio
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.17 - ₹0.50/₹100
Joining fee
FREE
Interest rate
8.28%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 domestic lounge visits per quarter
- Rs.400 Amazon voucher on Rs.5K spend in 30 days
- Rs.300 BigBasket voucher on Rs.50K quarterly spend
- 1% fuel surcharge waiver (up to Rs.100/month)
- BOGO movie tickets on INOX (once per quarter)
- Very low APR starting from 0.69% per month
- 15% dining discount via FedDelights program
Cons
- Very low base reward rate (0.17% on general spends)
- Annual fee waiver requires Rs.1.5L spend/year
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access vs premium cards
- Reward points valid for only 1 year
- Quarterly spend threshold for lounge access
- No international lounge access
- Lower point value vs competitors
Best for: Lifestyle spending, electronics, apparel, entertainment, first credit card
Signet Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.12 - ₹0.38/₹100
Joining fee
FREE
Interest rate
30.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entertainment, Lifestyle, Lifetime Free, Shopping
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on electronics and apparel purchases
- 2x rewards on entertainment spending
- 1 complimentary domestic lounge access per quarter
- Rs.200 Amazon voucher on Rs.3K spend in 30 days
- Complimentary Swiggy vouchers on Rs.20K quarterly spend
- BOGO movie tickets on INOX (once per quarter)
- 1% fuel surcharge waiver (up to Rs.150/month)
- Personal accident insurance cover of Rs.2 lakhs
- Low minimum income requirement
Cons
- Very low base reward rate (0.125% on general spends)
- Lower point value compared to premium cards
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access - only 1 visit per quarter
- Quarterly spend threshold required for lounge access
- No international lounge access
- Reward points valid for limited period
- No welcome bonus on card issuance
- Category benefits limited to specific MCCs
Best for: Online shoppers, frequent travelers, fintech-savvy users, Amazon/Flipkart/Swiggy regulars
Fi AmpliFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
₹2,000
Rewards rate
₹0.60 - ₹3.00/₹100
Joining fee
₹2,000
Interest rate
41.88%
Card details
Min Monthly Income ₹20
Categories Cashback, Lifestyle, Rewards, Shopping, Travel
CardNitty's take
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: UPI credit transactions, existing Federal Bank customers, utility payments via UPI
RuPay Wave Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
Rewards rate
₹0.12/₹100
Joining fee
FREE
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Floater Card, Lifetime Free, UPI, Utility
CardNitty's take
Pros
- Lifetime free floater card - zero fees
- UPI-enabled credit card for seamless payments
- 10% cashback on first 5 UPI transactions (up to Rs.200)
- 1000 bonus points on Rs.50K quarterly spend
- Shares credit limit with primary card
- Quick issuance via FedMobile app
- Valid in India and internationally (except Nepal/Bhutan)
- No cash advance fees
- No over-limit facility charges
- Separate billing for better expense tracking
Cons
- Exclusively for existing Federal Bank cardholders only
- Very low base reward rate (0.125% - worst in category)
- No accelerated rewards on any category
- Reward points valid for limited period
- Higher interest rate at 41.88% per annum
- Quarterly milestone requires high spend (Rs.50K)
- 10% cashback capped at Rs.200 total
- Reward redemption fee of Rs.99 per request
- Lower point value for cash redemption (Rs.0.10/point)
- No lounge access or travel benefits
- Shares credit limit with primary card
About Federal Bank
Card Categories
Quick Links
Find the Best Federal Bank Card for You
Compare 12 credit cards and choose the one that fits your lifestyle.
View All Cards