Federal Bank offers a wide range of credit cards designed to suit different lifestyles and spending habits. Whether you love shopping, traveling, or earning rewards, a Federal Bank Credit Card can be a great choice. With benefits like cashback, reward points, travel perks, and dining discounts, these cards make everyday spending more rewarding. You can easily check details, compare options, and even complete your Federal Bank Credit Card Apply process online. The Federal Credit Card services are quick and hassle-free, and with Federal Bank Credit Card Online Apply, getting the right card is now simpler than ever.
Best Federal Bank Credit Card | Joining Fee | Annual Fee | Explore More |
Federal Bank Celesta Credit Card | Nil | Nil | |
Federal Bank Imperio Credit Card | Nil | Nil | |
Federal Bank Signet Credit Card | ₹500 + GST | ₹500 + GST | |
Federal Bank RuPay Wave Credit Card | Nil | Nil | |
Federal Bank Scapia Co-Branded Credit Card | Nil | Nil | Explore More! |
Top 5 Best Federal Bank Credit Card December 2025
1. Federal Bank Celesta Credit Card
The Federal Bank Celesta Credit Card is a premium lifestyle credit card designed for those who love luxury, travel, and exclusive privileges. Whether it’s complimentary lounge access, special dining offers, or earning Federal Bank reward points on every transaction, this card makes your spending more rewarding. If you’re looking to enjoy world-class benefits and an easy Federal Bank credit card apply online process, the Celesta Card is a great option.
- Joining Fee: NIL
- Annual Fee: NIL
Key Features of Federal Bank Celesta Credit Card
- Complimentary domestic airport lounge access for premium travel comfort.
- High reward points on every spend, especially on travel and dining.
- Fuel surcharge waiver across major petrol pumps in India.
- Comprehensive insurance coverage, including travel and personal accident.
- Annual fee waiver on achieving the required yearly spend.
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2. Federal Bank Imperio Credit Card
If you are looking for a card that balances lifestyle benefits and savings, the Federal Bank Imperio Credit Card is a smart choice. It is designed for individuals who want exciting rewards on shopping, dining, and travel while keeping affordability in mind. With easy federal bank credit card apply options and the convenience of federal bank credit card online apply, you can get this card without any hassle.
Whether you are a frequent shopper or someone who enjoys travel benefits, this federal credit card offers you the perfect mix of features.
- Joining Fee: Nil
- Annual Fee: Nil
Key Features of Federal Bank Imperio Credit Card
- Lifetime-free federal credit card with zero joining and annual fees.
- Earn 3-2-1 reward points on groceries, healthcare, utilities, and everyday spends.
- Get Amazon Pay voucher on completing first-month spending milestone.
- Enjoy domestic airport lounge access on meeting quarterly spend criteria.
- Fuel surcharge waiver for smooth and cost-effective travel, making it one of the best federal bank credit cards.
3. Federal Bank Signet Credit Card
The Federal Bank Signet Credit Card is a great option for those who want the benefits of a credit card with simple and affordable charges. This federal bank scapia credit card is designed especially for frequent shoppers and travelers, offering attractive reward points and exclusive deals. With transparent federal bank credit card charges, it ensures you get value for every swipe.
If you are looking to apply, you can easily check the Scapia Credit Card customer care number for quick support and start the process without any hassle.
- Joining Fee: NIL
- Annual Fee: NIL
Key Features of Federal Bank Signet Credit Card
- Lifetime-free federal credit card with zero joining and annual fees.
- Earn 3× rewards on electronics & fashion, 2× on entertainment, and 1× on all other spends.
- Get a ₹200 Amazon Pay voucher on first-month milestone spend.
- Enjoy 1 domestic lounge access per quarter after meeting the spend requirement.
- Fuel surcharge waiver for seamless and cost-effective travel, making it one of the best federal bank credit cards.
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4. Federal Bank RuPay Wave Credit Card
If you are looking for a simple and convenient Federal Bank Credit Card, the RuPay Wave Credit Card is a perfect choice. This entry-level Federal Credit Card is designed to make everyday transactions easier with the power of contactless payments. You can apply for Federal Bank Credit Card seamlessly, both online and offline, and enjoy secure digital transactions across merchants in India.
This card is especially ideal for those who want a hassle-free payment solution with wide RuPay acceptance.
- Joining Fee: NIL
- Annual Fee: NIL
Key Features of Federal Bank RuPay Wave Credit Card
- Lifetime-free credit card with zero joining and annual fees.
- 10% cashback on first five UPI transactions within 30 days.
- Earn 1 reward point for every ₹200 spent.
- Get 1,000 bonus reward points on quarterly spending milestones.
- Make UPI payments via RuPay directly through your preferred UPI app.
5. Federal Bank Scapia Co-Branded Credit Card
The Federal Bank Scapia Co-Branded Credit Card is designed for those who love shopping, travel, and digital transactions. A collaboration between Federal Bank and Scapia, this credit card offers exciting benefits like unlimited airport lounge access, zero forex markup, and instant rewards. If you’re looking to enjoy premium perks with minimal federal bank credit card charges, this card is a smart choice.
With easy Federal Bank credit card online apply options, you can get your Federal Bank Scapia Credit Card in just a few steps and enjoy a seamless digital banking experience.
- Joining Fee: NIL
- Annual Fee: NIL
Key Features of Federal Bank Scapia Co-Branded Credit Card
- Earn 20% Scapia Coins on travel bookings made via the Scapia app.
- Earn 10% Scapia Coins on everyday online and offline spends.
- Unlimited domestic airport lounge access when you meet the monthly spending requirement.
- Zero forex markup on all international transactions — great for travel.
- No joining fee and no annual fee, making it cost-effective to hold.
Federal Bank Credit Card Charges December 2025
- Interest rate on a federal bank credit card can go up to 45% per year if dues are unpaid.
- You get up to 48 days interest-free period on timely bill payments.
- Late payment charges range from ₹250 to ₹1,250 based on the outstanding amount.
- Cash withdrawal fee is 2.5% of the amount or ₹500, whichever is higher.
- Foreign currency markup fee is around 3.5% on international transactions.
- EMI conversion charges include interest from 15.99%–18% plus a processing fee.
- Auto-debit failure fee is ₹250 per failed payment mandate.
Federal Bank Credit Card Eligibility December 2025
- Must be at least 21 years old for an unsecured Federal Bank credit card; 18 years for a secured (FD-backed) card.
- Should have a good credit history or credit score to improve chances of approval.
- Must be an Indian resident or an NRI to apply.
- Need to provide identity and address proof, such as PAN, Aadhaar, passport, or driver’s licence.
- Must show income proof, like last 3 months’ bank statements (for salaried) or ITR/login credentials (for self-employed).
- For a secured Federal credit card, you must have a fixed deposit (FD) with Federal Bank (minimum FD amount ~₹ 25,000) to back your credit limit.
Also Read: 5 Best Debit Card Cashback Benefits India December 2025
Federal Bank Credit Card Apply December 2025
- Go to the Federal Bank credit cards page on their official website and click “Apply Now”.
- Choose the card variant (Celesta, Signet, Imperio, Scapia, RuPay Wave) that suits your needs.
- Fill in your personal details, income info, and upload documents like PAN, Aadhaar, and bank statements.
- Complete video KYC if required, to verify your identity securely.
- Once approved, you’ll get an instant virtual card to start using online.
- Your physical card will arrive at your address in a few days.
- Use the FedMobile app to activate your card, set your PIN, and manage transaction settings.
- To apply for an add-on card, go to FedMobile → Credit Cards → More → Request Add-on Card.
- If you have a pre-approved offer, you can apply via the special link shared in your SMS or email.
- Track your application or delivery status via FedMobile or by using the tracking ID shared via SMS.
Which is the Best Federal Bank Credit Card?
The best Federal Bank Credit Card depends on your lifestyle—Imperio for shopping, Signet for beginners, and Scapia for travel rewards.
What is Federal Bank Credit Card RuPay?
Federal Bank Credit Card RuPay is a secure and rewarding card that offers domestic benefits like lounge access, cashback, and UPI-linked usage.
What is Federal Bank Credit Card Scapia?
Federal Bank Credit Card Scapia is a co-branded travel credit card offering lounge access, rewards, and exclusive Scapia travel deals.
How to reach Federal Bank Credit Card Customer Care?
You can call the Federal Bank Credit Card Customer Care helpline or use the official website for quick support.
How do I access Federal Bank Credit Card Login?
You can log in to your Federal Bank Credit Card account via the bank’s net banking or mobile app.
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Can I do Federal Bank Credit Card online apply?
Yes, you can easily do Federal Bank Credit Card online apply through the official Federal Bank website.
How to do Federal Bank Credit Card apply offline?
Visit your nearest Federal Bank branch to apply for a credit card with the required documents.
How can I check my Federal Bank Credit Card status?
You can check your Federal Bank Credit Card status online through the official portal or by contacting customer care.
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