Federal Bank
Federal Bank Aura Credit Card
Premium Mastercard World with travel rewards and dining privileges
₹2,500/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Premium cardholder
- Frequent traveller
- Dining enthusiast
-
What we like
- 4x rewards on travel spend
- Domestic + international lounge access
- Mastercard World tier privileges
-
Watch out for
- ₹2,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹3 lakh/year required to waive annual fee
Annual fee
₹2,500/yr
Reward rate
4x
Min. income
₹7,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹7 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
Federal Bank Aura Credit Card review: premium Mastercard World with high rewards on travel and dining, complimentary domestic + international lounge access, fuel surcharge waiver, and milestone vouchers.
Who is this for
- Premium cardholder
- Frequent traveller
- Dining enthusiast
What we like
- 4x rewards on travel spend
- Domestic + international lounge access
- Mastercard World tier privileges
Watch out for
- ₹2,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹3 lakh/year required to waive annual fee
Issuer
Federal Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 4 Reward Points per ₹100 on travel spend; 3 Reward Points per ₹100 on dining; 2 Reward Points per ₹100 on retail; 1 R… | Not explicitly stated | Redeemable via Federal Bank rewards portal; air miles conversion to partner airlines |
| DINING | 3.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
-
4x Rewards on Travel Highlight
4 Reward Points per ₹100 on travel spend — high earn rate for premium cardholders.
-
Domestic + International Lounge Access Highlight
4 complimentary domestic + 2 international lounge visits per year.
-
Mastercard World Tier Privileges
Mastercard World tier privileges globally — hotel benefits, late checkout, room upgrades.
-
Milestone Vouchers
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹7,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
Federal Bank Aura Credit Card is the premium Mastercard World tier. It targets premium spenders with travel rewards and dining privileges.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 4 Reward Points per ₹100 on travel; 3 Reward Points per ₹100 on dining; 2 Reward Points per ₹100 on retail
- Forex markup: 3.50%
Travel benefits
- 4x rewards on travel spend
- 4 domestic + 2 international lounge visits per year
- Mastercard World tier privileges globally
- ₹2,000 milestone voucher on ₹3 lakh spend; ₹4,000 on ₹6 lakh
Eligibility
Minimum annual income ₹7,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the Federal Bank Aura Credit Card apply walkthrough →
Apply for Federal Bank Aura Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Federal Bank Aura Credit Card worth it?
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Does the Federal Bank Aura Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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