• Aadhaar Card: Must include a masked Aadhaar number (only the last four digits visible).
• PAN Card: Mandatory for tax compliance and linking with financial records.
• Passport: Valid for Indian residents and NRIs, with address and photo.
• Voter ID: Issued by the Election Commission of India, with clear details.
• Driver’s License: Should include a photo, date of birth, and be issued by a recognized authority.
• PIO Card: Required for NRIs of Indian origin, if applicable.

• Aadhaar Card: Must match the address provided in the application.
• Utility Bill: Electricity, gas, or water bill issued within the last 3 months.
• Bank Statement: Should reflect the applicant’s name and current address (last 3 months).
• Rental Agreement: Must be registered and include applicant’s name and address.
• Passport: Address page must reflect the current residence.
• Ration Card: Accepted in certain cases for address validation.

• Salary Slips: Last 3 months showing consistent income from current employer.
• Bank Statements: 3–6 months of salary credit account, reflecting regular deposits.
• Form 16: Latest Form 16 issued by the employer to verify annual income.
• Employment Certificate: Letter from employer confirming designation and tenure.

• Income Tax Returns (ITR): ITRs of last 2 years, reflecting business income.
• Bank Statements: Last 6 months of business/personal account showing income flow.
• Business Registration Proof: GST certificate, shop license, or partnership deed.

• Indian Address Proof: Bank statement or utility bill of linked NRE/NRO account.
• Overseas Address Proof: Recent utility bill, rental agreement, or government ID.

• Fixed Deposit Receipt: FD of at least ₹25,000 with a minimum 6-month tenure.
• Savings Account Details: Must hold an active savings account with Federal Bank.

• Latest Credit Card Statement: Reflecting recent usage and payment behavior.
• Front Copy of the Credit Card: For verification of existing credit history.

• Two passport-sized recent color photographs with white background.

• Registered Email ID: Must be accessible and used for communication and e-statements.
• Mobile Number: Active number linked to Aadhaar and used for OTP-based verification.

• CIBIL or Experian Report: A recent credit report may be required to assess creditworthiness.

• CKYC Number: Central KYC Registry number, if available, for streamlined verification.
• KYC Form: Duly filled and signed KYC form for new-to-bank applicants.

The approval process for the Federal Bank Urbane Visa Credit Card hinges on several factors that assess an applicant’s financial credibility and repayment capacity. These factors, including credit score, income stability, debt levels, and banking history, determine whether you qualify for this premium card with benefits like 3X rewards and lounge access.

• Importance of a High Credit Score

  A credit score of 750 or higher is a critical factor, as it reflects your creditworthiness. Federal Bank relies on scores from bureaus like CIBIL to evaluate your repayment history. A high score indicates timely payments and responsible credit use, increasing approval chances. Scores below 700 may lead to rejection or require additional documentation, such as a fixed deposit.

• Improving Your Credit Score
  • Pay bills and EMIs on time.
  • Keep credit utilization below 30%.

• Salaried Applicants

  A stable income is vital. Salaried applicants need a minimum annual income of ₹5 lakh, with at least one year of employment at their current organization. Consistent salary credits in bank statements reassure Federal Bank of your ability to manage the card’s credit limit.

• Self-Employed Applicants

  Self-employed individuals require a minimum annual income of ₹6 lakh and a business operational for at least two years. Stable income, verified through ITRs and financial statements, demonstrates financial reliability for high-value transactions.

A low debt-to-income ratio (DTI) is crucial. This ratio compares your monthly debt obligations to your income. A DTI below 40% is ideal, as it shows you have sufficient income to cover credit card dues without strain. High existing debt, such as loans or other credit card balances, can reduce approval chances.

Your credit utilization ratio, calculated as the percentage of your available credit in use, should ideally be below 30%. For example, if your existing credit card has a ₹1 lakh limit, keep balances below ₹30,000. A high ratio suggests over-reliance on credit, which may concern Federal Bank.

• Salaried Employment

  Applicants with stable employment, ideally with the same employer for over a year, are viewed favorably. Frequent job changes may raise concerns about income consistency, impacting approval.

• Business Continuity

  For self-employed applicants, a business operational for at least two years with consistent revenue is a positive factor. Documents like GST registration or audited financials provide evidence of stability.

An existing relationship with Federal Bank, such as a savings account or fixed deposit, can significantly boost approval chances. For instance, a fixed deposit of ₹25,000 or more with a 6-month tenure can qualify you for a secured card, even with a lower credit score. This relationship also streamlines verification processes.

Federal Bank considers the applicant’s location, as some cards are offered only in specific cities. Urban residents in cities like Mumbai, Delhi, or Bengaluru may have easier access to premium cards like the Urbane Visa due to higher market presence. Ensure your residential address is in a serviceable area.

Submitting a complete and accurate application is a key factor. Errors in personal details, income information, or document uploads can lead to delays or rejection. Double-check all fields and ensure documents match the provided information.