Federal Bank AmpliFi Credit Card: Maximizing Rewards for Everyday Spends
- Pratibha Sharma
- Aug 19
- 6 min read
Updated: Aug 20
In today's blog, we will provide you the information about the Federal Bank AmpliFi Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:
The Federal Bank AmpliFi Credit Card is designed for individuals who seek added value with every purchase. Instead of being just another card for making payments, this card focuses on giving back rewards and savings on the basic things we use in our daily lives. Whether it’s shopping online, paying for fuel, or settling monthly bills, the card makes sure your money will pay you back in a useful manner.
The Federal Bank MagniFi Credit Card is the product of a smart partnership between Federal Bank and Fi Money. Federal Bank brings its reliability and banking expertise, while Fi adds a modern, app-based experience that makes the card easy to manage on your phone. Together, they’ve created a card that feels simple, digital, and rewarding, perfect for someone who wants the security of a trusted bank but also the convenience and perks of a fintech app.
One of the features of this card is its reward system, where every transaction earns points that the user can redeem for vouchers, travel bookings, or even discounts. It also comes with luxurious lifestyle perks and the safety of being on a trusted payment network. This card is widely available all over India and abroad.
What Are The Welcome Benefits Of The Federal Bank AmpliFi Credit Card?
Welcome Benefit: Customers will get welcome gift cards worth Rs 4,250 from top brands like Uber, Croma, Zomato, SonyLiv, and Myntra.
What Are The Milestone Benefits Of The Federal Bank AmpliFi Credit Card?
Milestone Benefits: Users will get benefits worth Rs 2,999 on spending Rs 2.5 Lakhs or more in a year via an annual fee waiver of Rs 2,000 and a free Jio Cinema subscription worth Rs 999.
Users will get benefits worth Rs 4,000 on spending INR 4 Lakhs or more in a year via 2 free priority check-in and baggage assistance, offering a total worth of INR 2000; and a MakeMyTrip Gift card worth Rs 2000.
What Is The Cashback Rate Of The Federal Bank AmpliFi Credit Card?
Users will get 12 Fi-coins for every Rs. 100 spent on the top 3 preferred partner brands on spending Rs. 15,000 or more in a statement cycle.
Value of 1 RP = 0.25
Preferred Brand Cashback rate: 3%.
Users will get 3Fi-coins for every Rs. 100 spent on all other spends.
General cashback rate = 0.75%.
Movie Benefits
Buy one, get one Free movie ticket from BookMyShow once every month. Max cashback INR 20
Dining Benefits
Get up to 20% off through the EazyDiner app.
Other Benefits
0% forex markup fee on international transactions. Reward points can be converted into Club ITC and Maharaja Points.
Club ITC and Maharaja Points:
Club ITC is the loyalty program of ITC Hotels. It is designed for guests who regularly stay, dine, or use services at ITC properties across India. Instead of being just a membership card, it works like a rewards program that gives you value back each time you spend at ITC Hotels or their partner restaurants. Membership is free, and once you join, you start earning points on every expense.
The reward currency is called Maharaja Points. These are the reward points that you collect whenever you book a room, dine at ITC restaurants, or use their services. Over time, these points add up and can be redeemed for free hotel stays, meals, or even lifestyle experiences. The best part is that the points didn't go to waste; users can actually use them in their next trip, and hence these savings will become a good deal for users.
Club ITC also has different tiers of membership, which means the more you spend, the more privileges you unlock new offers. These include faster point earnings, room upgrades, early check-ins, late check-outs, and exclusive offers.
In short, Club ITC and Maharaja Points are ITC Hotels’ way of saying “thank you” to loyal guests, turning frequent visits into meaningful rewards and memorable experiences.
Lounge Access
One free lounge visit for the domestic airport per quarter, subject to spending INR 10,000 in a quarter.
Special Features
0 forex mark-up fees.
Eligibility:
Age: You must be at least 21 years old.
Residence: You should be a resident of India.
How To Apply For This Card?
Download and install the Fi Money app on your phone.
Navigate to the credit card section within the app.
Look for the Fi-Federal AmpliFi Credit Card and initiate the application process.
You'll likely be asked to provide your basic details, employment information, and income proof.
The app might also request a soft check on your credit score.
If your application meets the eligibility criteria, you'll be guided through a video KYC process for verification.
Upon successful completion, your application will be reviewed for final approval.
Contact Details
1800 420 1199
What Are The Pros And Cons Of Having a Federal Bank AmpliFi Credit Card?
Pros:
Value for money: The welcome perks usually cover the joining fee, and the annual fee can be waived with enough spending.
Good rewards: Extra cashback on popular brands and earnings on other spends, including UPI.
Travel-friendly: Lounge access every quarter and zero effective forex markup make it useful for frequent travelers.
Full control via app: The Fi app lets you track spending, manage rewards, and control your card easily.
Cons:
Customer support issues: Many users complain about delays and unresolved queries.
Inconsistent offers: Some discounts or deals may not apply to all cardholders.
Forex refunds take time: Even though charges are refunded, the wait can be inconvenient.
Risk of benefit cuts: Like many fintech cards, rewards may change or can be reduced in the future.
Fees And Charges:
Joining fees: INR 2000
Annual fees: Nil
Cash advance fees: Nil
Late payment fees: Late Payment Charges: Ranges from INR 100 to INR 1200.
Interest fees: Interest Rate: 3.49% per month (41.88% per annum).
Federal Bank Description:
Federal Bank is a well-known private bank in India, with its headquarters in Aluva, Kerala. It started off as a small regional bank many decades ago, but over time, it has grown into one of the trusted names in the Indian banking space. What makes Federal Bank stand out is the way it has embraced technology while still keeping a customer-friendly approach.
The bank offers almost every service you would expect: savings accounts, deposits, loans, credit cards, investment options, and NRI banking. It has a wide network of branches and ATMs, but at the same time, it has built a strong digital platform. Its mobile banking app and online services are easy to use, which is why many young professionals and even NRIs prefer it.
Another key point is how Federal Bank has partnered with big payment networks like Visa, Mastercard, and RuPay to give customers a variety of card options. Whether it’s for shopping, travel, or day-to-day payments, the bank has designed products that fit different needs.
In simple words, Federal Bank has managed to stay modern and tech-driven while keeping the trust and personal touch that customers value in a bank.
Conclusion:
The Federal Bank AmpliFi Credit Card is not about luxury or complicated privileges; it’s about making everyday spending smarter and more rewarding. What sets it apart is the way it turns regular payments like shopping, fuel, or utility bills into small savings and benefits that actually matter in daily life. Instead of being just another piece of plastic in your wallet, it acts like a tool that gives you something back each time you use it.
By choosing the Visa Platinum network, Federal Bank has positioned this card right in the middle ground. It gives you more than the basics, like global acceptance, lifestyle deals, and purchase protection, while still staying affordable and easy to access compared to higher-tier cards. That balance makes it practical for people who want useful privileges but don’t want the stress of managing a high-end card with strict requirements.
The rewards structure is rewarding for users. You can earn points on your daily spending and then use them for luxury travels, and these can be turned into vouchers, discounts, or even travel perks. Add to this the lifestyle benefits and the trust of Federal Bank’s service, and you get a card that feels safe and secure.
In the end, the AmpliFi Credit Card works best for individuals who want reliable rewards, everyday savings, and a bit of lifestyle comfort without complicating their finances. It’s a card you can count on to quietly add value to your daily routine. For someone looking to maximize regular expenses with the benefit of extra perks, AmpliFi strikes the right balance between simplicity and reward.
In short, the AmpliFi Credit Card combines convenience, rewards, and a touch of lifestyle benefits into one simple package. It fits well for people who want steady savings and useful privileges without getting into the heavy maintenance of premium cards.
If you want to know the unbiased AI score of the Federal Bank AmpliFi Credit Card, read their detailed review, click here
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