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Key Features of Federal Bank Credit Cards

  • Wide Range of Options: Travel, shopping, fuel, and lifestyle-focused cards.
  • Contactless Payments: NFC-enabled for secure tap-and-pay transactions.
  • Reward Points: Earn points on every spend, redeemable for gifts, vouchers, or cashback.
  • Fuel Surcharge Waiver: Get waived fuel charges at selected petrol pumps.
  • EMI Facility: Convert high-value purchases into easy EMIs.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Complimentary Airport Lounge Access: Available on select premium cards.
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Benefits of Federal Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and entertainment.
  • Flexible Repayment: Choose between full payment or minimum due.
  • Global Acceptance: Use internationally (Visa/Mastercard/RuPay variants).
  • Easy Bill Payments: Pay via mobile banking, net banking, or auto-debit.
  • Add-on Cards: Share benefits with family members.
  • Instant Discounts: Partner merchant offers on Amazon, Flipkart, etc.
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How to Apply for a Federal Bank Credit Card?

  • Go to Credit Cards section: Select preferred card.
  • Fill the application form: Provide personal, employment, and income details.
  • Upload KYC documents: PAN, Aadhaar, income proof.
  • Submit and await verification: Bank will verify details and process application.

Eligibility Criteria

  • Age: 21 to 65 years (for primary cardholder).
  • Income Requirement: Salaried: Minimum ₹15,000–₹25,000/month (varies by card type), Self-employed: Minimum annual income of ₹3–₹6 lakhs.
  • Credit Score: 750+ (preferred for approval).
  • Documents Required: PAN Card, Aadhaar Card/Passport/Voter ID, Salary slips (last 3 months) / ITR (for self-employed), Bank statements (last 6 months).
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Factors to Consider Before Choosing a Federal Bank Credit Card

  • Spending Habits: Travel, Shopping, Fuel, etc.
  • Annual Fees & Charges: Some cards have lifetime free options.
  • Interest Rate: Typically 18–42% p.a.
  • Reward Structure: Cashback, points, air miles.
  • Credit Limit: Based on income & credit history.
  • Additional Perks: Lounge access, insurance, discounts.

Usage Tips for Federal Bank Credit Cards

  • Pay bills on time: Avoid late fees and high interest.
  • Use reward points before expiry: Maximize benefits.
  • Opt for EMI conversion: For big purchases.
  • Enable transaction alerts: For security.
  • Avoid cash withdrawals: High fees & interest.
  • Monitor spending: Via mobile banking app.

Frequently Asked Questions

How can I check my Federal Bank credit card balance?
Use FedMobile app, net banking, or SMS alerts. Call customer care.
What is the credit limit on Federal Bank credit cards?
Varies based on income, credit score, and card type (₹25,000 to ₹5+ lakhs).
How to activate my Federal Bank credit card?
Via SMS, net banking, or by calling customer care.
Are there any joining/annual fees?
Some cards are lifetime free, while others have annual fees (₹500–₹5,000).
Can I get a credit limit increase?
Yes, after 6 months of good repayment history.
What should I do if my card is lost/stolen?
Immediately block it via FedMobile app or customer care.
How to redeem reward points?
Log in to net banking or mobile app and select redemption options.
Does Federal Bank offer pre-approved credit cards?
Yes, for existing customers with good banking history.

List of Federal Bank Credit Cards