Federal Bank
Federal Bank Visa Signature Credit Card
Best for rewards
₹1,500/yr annual fee · 1.33x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,500/yr
Reward rate
1.33x
Min. income
₹2,50,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
No published category cap
Welcome benefit
Amazon Pay e-voucher worth ₹400 on spends of ₹5,000+ within 30 days of card issuance
Who is this for
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹1,500 non-waiver joining fee
- ₹950 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Annual fee waived on annual spends of ₹1,50,000 (when the ₹1,500 annual fee is reinstated post-LTF period) |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹2,50,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹950 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 Reward Points per ₹150 on healthcare & grocery spends; 2 Reward Points per ₹150 on utility categories (bill payment… | No published category cap | 1 Reward Point = ₹0.25 (federalrewards.in); valid for 3 years from accrual |
| DINING | 2.00 | — | 0.25 |
| TRAVEL | 2.00 | — | 0.25 |
Benefits
-
Domestic lounge access
2 complimentary domestic lounge visits per quarter (8 per year) — not spend-based
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Amazon Pay e-voucher worth ₹400 on spends of ₹5,000+ within 30 days of card issuance
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions ₹400–₹5,000; maximum ₹150 per month (per BankBazaar)
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN Card, Aadhaar / OVD address proof, latest bank statement (3 months) / salary slips / ITR
Federal Bank Visa Signature Credit Card is a VISA credit card from Federal Bank. It is best suited for rewards.
Fees and rewards
- Annual fee: ₹1500
- Joining fee: ₹1500
- Rewards: 2 reward points per ₹100
Eligibility
PAN Card, Aadhaar / OVD address proof, latest bank statement (3 months) / salary slips / ITR
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Federal Bank Visa Signature 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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