Federal Bank Credit Cards 2026
Kerala-based private bank issuing its own cards and fintech co-branded cards. Compare 5 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Federal Bank credit cards
Best Federal Bank card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Rewards | Federal Bank Imperio | Free | Family spends on groceries, health and bills |
| Travel | Scapia Federal Bank | Free | Travellers wanting zero forex and lifetime-free |
| Lounge access | Scapia Federal Bank | Free | Travellers wanting zero forex and lifetime-free |
| Lifetime free | Scapia Federal Bank | Free | Travellers wanting zero forex and lifetime-free |
| RuPay on UPI | Federal Bank Signet | Free | Entry lifetime-free card; RuPay variant for UPI |
Compare all Federal Bank cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| Scapia Federal Bank | Free / Free | 2.00% base value | Unlimited domestic lounge access with Rs 20,000 spend in the month | 0.00% | ₹6,000 |
| Federal Bank Signet | Free / Free | 0.13% base value | 1 domestic lounge visit/quarter with Rs 20,000 quarterly spend | 3.50% | ₹375 |
| Federal Bank Celesta | Free / Free | See card page | 2 international lounge visits/year; 2 domestic/quarter with Rs 60,000… | 2.00% | — |
| Federal Bank Imperio | Free / Free | See card page | 2 domestic lounge visits/quarter with Rs 40,000 quarterly spend | — | — |
| Fed StarBiz | ₹275 / ₹275 | See card page | — | — | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Credit card toll-free | 1800 420 1199 / 1800 425 1199 |
| From abroad | +91 484 263 0994 |
Bill payment
- FedMobile app > Credit Card (same-day credit)
- Payment gateway from other banks (about 3 days)
- Auto-debit from Federal Bank SB/CA (same day)
- NEFT: IFSC FDRL00CARDS, account number = credit card number
- Cash/cheque over the counter at any Federal Bank branch (same day)
- UPI / BBPS apps
Eligibility
| Criterion | Federal Bank |
|---|---|
| Age | 18+ secured / 21+ unsecured (Celesta page: 18-70) |
| Documents | PAN, Aadhaar / address proof, Income proof (unsecured) |
Frequently asked questions
Which Federal Bank credit card is best?
It depends on how you spend. By base reward value, Scapia Federal Bank ranks first among the cards we track; for no fees, Scapia Federal Bank, Federal Bank Signet. Use the comparison table and the value calculator on each card page.
What is the Federal Bank credit card customer care number?
Credit card toll-free: 1800 420 1199 / 1800 425 1199; From abroad: +91 484 263 0994.
How do I pay my Federal Bank credit card bill?
FedMobile app > Credit Card (same-day credit); Payment gateway from other banks (about 3 days); Auto-debit from Federal Bank SB/CA (same day).
What is the eligibility for a Federal Bank credit card?
Age 18+ secured / 21+ unsecured (Celesta page: 18-70).
Compiled from Federal Bank’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Federal Bank.