Federal Bank Rupay Signet Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Federal Bank Rupay Signet Credit Card
Bank Name :
Federal Bank
प्रकार
Regular Credit Card
ब्याज दर
Depends on your bank balance maintained in Federal Bank Saving Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001- 10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).
पात्रता
Minimum age of the card holders should be 18.
Only Indian residents can apply.
पेशेवरों
Welcome Benefit: Users will get an Amazon Pay e-voucher worth ₹200 on a minimum spend of Rs.3,000 in the first 30 days.
Rewards: The value of 1 reward point = INR. 0.25. Users will get 1 reward point on a spend of INR 200. 3x rewards on spending for the Electronics & Apparel categories, cashback rate: 0.75%. 2x rewards on the Entertainment category, cashback rate: 0.50%. 1x rewards for other categories, effective cashback rate: 0.25%.
Milestone Benefit: Buy One Get One on INOX movie tickets, once a quarter and complimentary Swiggy vouchers on quarterly spend of ₹20,000
Other benefits: Complimentary lounge access - Once per quarter at Domestic airports, and Personal Accident insurance cover of Rs.2 Lakhs.
दोष
No international lounge access facility is available.
पक्ष विपक्ष
Welcome Benefits
Users will get an Amazon Pay e-voucher worth ₹200 on a minimum spend of Rs.3,000 in the first 30 days.
पुरस्कार प्रणाली
The value of 1 reward point = INR. 0.25. Users will get 1 reward point on a spend of INR 200. 3x rewards on spending for the Electronics & Apparel categories, cashback rate: 0.75%. 2x rewards on the Entertainment category, cashback rate: 0.50%. 1x rewards for other categories, effective cashback rate: 0.25%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Interest rate depends on your bank balance maintained in Federal Bank Saving Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001- 10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).
Eligibility Criteria
Minimum age of the card holders should be 18.
Only Indian residents can apply.
फ़ायदे
Movie ticket discount
Welcome offer
Personal accident cover
Complimentary lounge access
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Online:
Visit the Federal Bank website and go to the Credit Cards section.
Click on the Apply Now button for the Federal Bank RuPay Signet credit card.
Fill in the online application form with your personal and financial details.
Submit the application form and wait for approval.
Required documents:
Proof of identity (Aadhaar card, PAN card, or passport).
Proof of income (salary slips, bank statements, or income tax returns).
Proof of address (Aadhaar card, bank statement, or utility bill).
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get an Amazon Pay e-voucher worth ₹200 on a minimum spend of Rs.3,000 in the first 30 days.
Rewards: The value of 1 reward point = INR. 0.25. Users will get 1 reward point on a spend of INR 200. 3x rewards on spending for the Electronics & Apparel categories, cashback rate: 0.75%. 2x rewards on the Entertainment category, cashback rate: 0.50%. 1x rewards for other categories, effective cashback rate: 0.25%.
Milestone Benefit: Buy One Get One on INOX movie tickets, once a quarter and complimentary Swiggy vouchers on quarterly spend of ₹20,000
Other benefits: Complimentary lounge access - Once per quarter at Domestic airports, and Personal Accident insurance cover of Rs.2 Lakhs.
No international lounge access facility is available.
Overall, the Federal Bank RuPay Signet Credit Card offers a compelling combination of affordability, everyday benefits, and travel perks, making it attractive for individuals with moderate spending habits who value value and accessibility. However, the lower reward rate, limited redemption options, and high interest rate are limitations to consider. If you're a high spender, frequent traveler, or prioritize specific features like wider network coverage or travel insurance, explore other options in the market.
Federal Bank Rupay Signet Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining fee: INR 0
Annual membership fee: INR 1500
Cash Advance Charges- 2.5% of amount withdrawn or Rs. 500 whichever is higher.
Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.
Redemption Fee Rs. 99/- per redemption request.
EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500
International Forex Markup- 3.50% of the transaction value.
ईंधन अधिशुक्ल
1%, no fuel surchage waiver.
Billing Cycle
30 days.