Federal Bank Credit Card-Top 5
- Vaani Shrivastava
- Mar 21, 2024
- 9 min read
Updated: Dec 15, 2025
Top 5 Federal Bank Credit Cards
The use of credit cards has become a necessary tool in the modern hectic world as it has brought in comfort, safety, and numerous other benefits. The credit cards offered by the Federal Bank are special among the numerous ones available due to their rewarding features, flexibility, and reliability. If you are a veteran credit card user or you are considering having a credit card for the first time, it is confusing when the list is sorted out. That is why we have compiled a detailed list of the five most popular Federal Bank credit cards, each of which is aimed at satisfying diverse requirements and preferences.
The variety of credit cards provided by Federal Bank can satisfy the needs of diverse customers, including those who need to create or rebuild a credit history and those who are frequent travellers who want to get great benefits. This blog article will discuss the features, benefits and special deals of these five outstanding cards to enable you make a better decision that suits your pocket.
Join us on a journey where we read about the world of Federal Bank credit cards, where profitable experiences and empowerment of the wallets are just around the corner. The Federal Bank credit card can enhance your financial journey and serve the purpose of either making your daily costs easier, enjoying special benefits of travelling, or receiving high-level rewards.
Federal Bank Scapia Credit Card
Joining Fees: NIL (Lifetime Free Card)
Interest Rate: 41.88% (3.49% per month)
Welcome Benefit: None
Rewards: 10 per cent Scapia coins on all of your regular purchases, and 20 per cent Scapia coins on all purchases related to travelling using the Scapia app.
Special Feature: Unlimited domestic lounge. And zero forex mark-up fees.
The Scapia Federal Bank credit card is a co-branded travel credit card, which is issued in collaboration with Scapia Technology Pvt. Ltd. The Scapia Federal Bank Credit Card is an excellent product that can be recommended to all travellers who are conscious of their budget, value, and convenience. This can be attributed to its lifetime free membership, zero forex markup and Scapia Coin rewards that make it an attractive option to the frequent domestic and international traveller. Nonetheless, in case you want to enjoy the best rewards or have a wider range of redemption opportunities, then you may need to look at other cards that have higher earning rates and reward programs.
Federal Bank MagniFi Credit Card
Joining Fees: Zero (Lifetime Free Credit Card)
Interest Rate: 3.49 per month i.e. 41.88 per annum.
Welcome Benefit: Receive 1000 Fi-coins on your first use of the card of no less than 1000 rupees within the next 30 days.
Rewards: 20% cashback on Zomato, Blinkit, AJIO and BookMyShow every weekend and 4x Rewards on all spending and 1x rewards on all spending.
Promotion: Lifetime Free Credit Card, where one can earn 20 per cent Cashback on Zomato, Blinkit, AJIO, and BookMyShow every weekend.
Magnifi Credit Card is a partnership of Fi. Money and the Federal Bank that creates a financial product, the Federal Bank MagniFi Credit Card, which will allow a modern consumer to enjoy the convenience of online shopping, especially on weekends. This lifetime-free card stands out as it provides a high 20 per cent cashback on shopping on weekends in the online locations that people visit most, including Zomato, Blinkit, BookMyShow, and Ajio, which is an appealing advantage of the card to individuals who enjoy spending their weekends in shopping sprees. The advantages of the card are not limited to cashback and a 4X reward program on weekend spending on certain brands, which will add to the shopping experience. It is worth mentioning, however, that the cashback is limited to Rs. 1,000 a month across any of the four brands, and 4X rewards are awarded in the form of Fi Coins, with 100 Fi Coins being equivalent to Rs. 3, which is not likely to result in strong savings on the side of the user. This notwithstanding, the card provides benefits in exempt categories in rewards programs like rent and fuel, which give an increased range of benefits. Although the MagniFi Credit Card may not be viewed as a competing card in the market compared to other cashback cards in terms of reward rate, it is still a good option to take into consideration when an individual needs to establish their credit history without paying an annual fee, with the added advantage of getting benefits on well-known online brands.
Federal Bank Imperio Credit Card
Membership Fees: Nil (Lifetime Free Credit Card)
Interest Rate: According to the balance in your Federal Bank Saving Account: Less than Rs. 50,000 per month 41.88% (3.49% per month) (Less than Rs.3, 00,000 per month) 30.00% (Less than Rs.2.49 per month) (More than Rs.10, 00,000 per month).
Welcome Benefit: Enjoy an Amazon Pay e- Voucher of the value of [?]400 on a purchase of at least 5,000 in the first 30 days with a minimum spend of Rs.5,000.
Rewards: Tripled reward when spending on Health Care and grocery category, doubled reward when spending on Utility category (such as Bill payments of Electricity, Gas, mobile, etc.), and one reward when spending on other categories.
Special Condition: Free Big basket voucher on quarterly expenditures of [?]50,000.
The Federal Bank Imperio Credit Card is a luxury product that provides a diverse consumer base with flexible APR and a rewards scheme. The cardholders would be in a position to have a low annual percentage rate (APR) as low as 0.69% per month, but this can change depending on the bank's relationship with the individual and the Federal Bank. The rewards system of the card is created to be profitable for daily spending; it will give 3x rewards on the use of healthcare services and groceries, 2x rewards on the use of utility bills, and 1x rewards on all other spending. Also, the visitors are being offered an Amazon Pay e-Voucher when they fulfil the minimum spending rules during the first 30 days. The card also comes with the value of a free lounge in the airports, as well as BOGO movie ticket offers and Big Basket vouchers after spending on the achievement of certain quarterly amount. A one per cent fuel surcharge that is waived throughout all fuel stations in India contributes to the savings. In high spenders, who can spend more than Rs. 1,50,000 in a year, one year of the fee is waived in the next year to make the card attractive to high spenders.
Federal Bank AmpliFi Credit Card
Joining Fees: INR 2000
Interest Rate: 3.49 Percentage monthly, i.e. 41.88 Percentage yearly.
Welcome Benefit: Welcome gift cards of INR 4,250 are provided to customers on the best brands such as Uber, Croma, Zomato, SonyLiv and Myntra.
Rewards: Earn rewards on all the funds spent, including rent payments and fuel transactions, 100 Fi-coins on all the funds spent on the preferred brands on spending of Rs. 15,000 or more in a statement cycle and 20 Fi-coins on all the funds spent, including spends on fuel, rent, utilities and insurance. The customers will receive 3% cashback on any spending in a broad category of expenditure, which covers such popular ones such as Swiggy, BigBasket, Myntra, and Amazon.
Special Feature: 0 forex mark-up charges.
The Federal Bank AmpliFi Credit Card is a FedBank product developed in conjunction with Fi brand pvt ltd, and it is aimed at addressing the demands of the contemporary consumer to enjoy the rewarding credit experience. The card has a high of 3 percent rate of return on the amount spent on the top 20 and more brands in India, which can be redeemed as cash, airmiles, or gift cards. The joining fee is [?]2,000 with welcome gift cards worth [?]4,250, which is equivalent to earning [?]2, 250 on joining. The card also has zero foreign exchange charges, which makes foreign transactions cheap. Also, cardholders will get access to lounges and an opportunity to redeem their rewards for points on a loyalty program. AmpliFi Credit Card is unique in that it has no paperwork in the application process, personalised reminders, and insights on spending, which improve the financial management of the user.
Federal Bank Rupay Signet Credit Card
Recurring Fees: Nil (Lifetime Free Credit Card)
Interest Rate: Gives it to your bank balance in Federal Bank Saving Account: Rs.50,000 - 10,000,000 18.00% (0.49% per month) (5) (6) (7).
Welcome Benefit: Receive an Amazon Pay e-Voucher of [?]200 on the purchase of a minimum amount of Rs.3,000 in 30 days.
Rewards: 3x reward on spending on the Electronics and Apparel categories, 2x rewards on the Entertainment category and 1x reward on the other categories.
Special Feature: Buy One Get One on INOX movie ticket, once in a quarter and Free Swiggy vouchers on quarterly expenditure of [?]20,000.
The FedEx Bank Rupay Signet Credit Card is an all-around financial tool that is meant to suit numerous types of expenditures. It also has a special 3-2-1 reward system, which gives rewards 3 times on any electronics and apparel and 2 times rewards on any entertainment and 1 times rewards on all other items. Credit cardholders would be able to pay an APR amounting to 0.69% per month, and the card can be connected with a UPI ID to make transactions safely. Welcome gifts are an Amazon Pay e-voucher value [?]200 on a minimum purchase of [?]3, 000 during the first 30 days. Moreover, as part of the monthly deals, users will have the option of BOGO on INOX movie tickets and vouchers on Swiggy with a quarterly expenditure of [?]20,000. It also offers a personal accident insurance cover of [?]2 Lakhs on the card and free lounge facilities at the domestic airports once every three months. This card is placed as a lifetime free credit card with no membership fee or joining fee, and thus it is tempting to people who want rewards and benefits without having to pay extra money.
Conclusion
Lastly, an in-depth analysis of the best five Federal Bank credit cards has revealed too many possibilities to smart shoppers who want to maximise their financial benefits. Federal Bank has a plentiful supply of credit cards to suit your requirements, be it establishing a strong credit base, exploring the world with the added advantage of an exclusive travel package or receiving points on everyday purchases.
The different credit cards differ in benefits and features, with the Federal Bank SBI Credit Card giving an excellent cashback and the Federal Bank American Express Credit Card providing extravagant travel benefits. It can be said that depending on your spending habits, lifestyle, and financial goals, a particular needs identify the Federal Bank credit card that can best serve your specific needs.
When you begin using a credit card, you must remember to be very sensible with it by keeping track of your expenditures and being particular with your disbursement. A Federal Bank credit card can become a priceless tool to expand spending power, earn valuable rewards and achieve long-term financial objectives when used properly.
We wish that this guide had provided you with meaningful information on the optimal Federal Bank credit cards so that you are able to make sound decisions and achieve as much as possible on your financial journey. Being a seasoned user or only starting with credit cards, the commitment of Federal Bank to quality ensures that you will enjoy unparalleled privileges and superior quality support in every aspect.
The Benefits of Federal Bank Credit Cards.
Federal Bank has a variety of options that are available and can fit different needs and lifestyles, making it the most diverse credit card in the world. The Federal Bank Credit Cards come in various benefits, whether you are a frequent traveller, a shopping fanatic, or just the one who wants to have the lifestyle benefits; they provide a wide range of benefits that will make it an attractive option to the consumer.
Different Cards with a Variety of Needs.
Federal Bank offers a range of credit cards that are tailored to the needs of various spending patterns and preferences, with each card having different benefits. Starting with the Visa Celesta Card, the ideal card that allows users to travel and enjoy the lifestyle, then there is the Signet Card, the ideal card dedicated to the people who like dining and entertaining.
Rewarding Loyalty with Points and Cashback
The rewards program is one of the most appealing Federal Bank Credit Card attractions. Due to an energetic 3-2-1 rewards system, the cardholder can get points on each purchase, which can be redeemed with many reward options or cashback, transforming any purchase into a more valuable offer.
Financial Flexibility
The Federal Bank Credit cards come with good dynamic Annual Percentage Rates (APR), which begin as low as 5.88% p.a. offering financial flexibility and offering low prices to individuals who might have a balance until the next month.
Exclusive Offers and Vouchers
Besides the credit facility, cardholders have a variety of exclusive deals, including Amazon Pay e-Vouchers, Big Basket vouchers, and Buy One Get One (BOGO) deals on the INOX movie tickets, among other benefits.
Complimentary Lounge Access
As another Federal Bank Credit Card benefit, the free lounge access at the airport is a common perk for frequent flyers, and they can escape the airport noise and relax.
Dining Delights
The cardholders are offered a chance to enjoy the best dining deals at the partner hotels through the FedDelights program, making it even better to dine and giving them more excuses to spend money.
Fuel Surcharge Waiver
Another advantage which everybody can also appreciate is that there is a 1 per cent fuel surcharge waiver, which can result in a huge saving among those who have to travel by car on a daily basis.
Add-On Cards for Family Members
Federal Bank enables the cardholder to transfer the benefits to the family members of the cardholder on add-on cards so that the whole family can enjoy the privileges of the credit card.
Global Acceptance
Federal Bank Credit Cards are accepted in more than 24 million outlets across the globe and are valued as the most convenient card to use in making both local and international transactions.
Customer-Centric Approach
The customer-centred nature of Federal Bank is reflected in their straightforward fee model, quick response customer service and accessible online management systems, so that the process of dealing with them is a painless and pleasant one.
Download the MyRupaya App
Compare, choose, and discover all the best offers on credit cards in India — all in one place
Comments