🏦 Federal Bank · Est. 1931 · South India's Premier Bank
Best Federal Bank Credit Cards 2026– Compare &
Apply
Federal Bank offers a rewarding suite of credit cards covering
travel, cashback, lifestyle, and co-brand benefits — with the
innovative Scapia travel card and the premium Celesta leading the
pack.
✈️ Travel Rewards
💰 Cashback
🛒 Online Shopping
🎬 Entertainment
3%Unlimited Travel Cashback (Scapia)
₹0Lifetime Free Options
8+Credit Cards Available
1000+Lounge Access (Celesta)
About Federal Bank Credit Cards
Federal Bank, one of India's oldest private sector banks
established in 1931, offers a well-curated range of credit cards
that punch above their weight in terms of rewards, cashback, and
lifestyle benefits. Federal Bank's credit card portfolio has been
significantly strengthened by partnerships with fintech companies
like Scapia, delivering best-in-class travel cashback products
that rival cards from larger banks. At MyBankingTips, compare all
Federal Bank credit cards, check your free eligibility, and apply
online without impacting your CIBIL score.
Federal Bank, headquartered in Aluva, Kerala,
operates 1,400+ branches and 2,000+ ATMs across India with a
particularly strong presence in South India. Its credit card
division has evolved significantly — the
Federal Scapia Card is now recognised as one of
India's best travel credit cards, offering unlimited 3% cashback on
all travel transactions with zero forex markup and no annual fee.
Federal Bank credit cards are issued on Visa, Mastercard, and RuPay
networks. Card management is available via the FedMobile app and
FedNet internet banking portal — both highly rated for their clean
UX and comprehensive feature sets.
💡
Key Highlight: The
Federal Bank Scapia Credit Card is India's most
talked-about travel credit card — offering
unlimited 3% cashback on all travel bookings
(flights, hotels, holidays), zero forex markup on
international transactions, and complimentary airport lounge
access — all with absolutely no annual fee.
All Federal Bank Credit Cards in India 2026
Federal Bank offers a focused portfolio of credit cards across
travel, cashback, lifestyle, and entry-level segments. Here are the
best options:
Federal Card
Federal Bank Scapia Credit Card
4.2/ 5
Travel
Airport Lounge Access
Lifetime free
Rewards
Earn up to 20% Scapia Coins on all your spends.
Enjoy zero forex markup fee along with unlimited domestic airport lounge access.
Apply Now →
Federal Card
Federal Celesta Credit Card
4.4/ 5
Travel
Reward
Rewards
- Low forex markup fee of 2% on international transactions.
- Earn 3X reward points on travel and international spends.
Apply Now →
Federal Bank Credit Cards — Quick Comparison
| Card Name |
Annual Fee |
Best For |
Reward / CB Rate |
Lounge |
Fee Waiver |
Apply |
| Federal Scapia |
₹0 Free |
Travel |
3% all travel |
4/quarter |
Lifetime Free |
Apply →
|
| Federal Celesta |
₹7,500 |
Premium |
3 pts/₹100 |
Unlimited |
₹10L spend |
Apply →
|
| Federal Signet |
₹2,499 |
Mid-Premium |
2 pts/₹100 |
8/year |
₹3L spend |
Apply →
|
| Visa Signature |
₹1,000 |
Cashback |
2% all spends |
4/year |
₹1.5L spend |
Apply →
|
| Federal Duo (RuPay) |
₹0 Free |
Everyday + UPI |
1 pt/₹100 |
None |
Lifetime Free |
Apply →
|
| Corporate Card |
₹1,500 |
Business |
2 pts/₹100 |
8/year |
₹2L spend |
Apply →
|
Find Your Best Federal Bank Card — Free!
Our Federal Bank specialists compare all cards to match the best
one to your income, travel habits, and spending profile. Free
eligibility check, no CIBIL impact.
Federal Bank Scapia Credit Card — India's Best Free Travel Card
The Federal Bank Scapia Credit Card (co-branded
with Scapia, a travel fintech) is a genuine game-changer in
India's credit card space. It offers
unlimited 3% cashback on ALL travel transactions
— flights, hotels, holidays, and more — with zero annual fee, zero
forex markup, and complimentary lounge access. No other
lifetime-free card in India comes close to this value for frequent
travellers.
Scapia Card Cashback & Reward Structure
✈️
3%
Unlimited Travel Cashback
3% back as Scapia Coins on all flight bookings, hotel
reservations, and holiday packages — no cap, no expiry
🌍
0%
Zero Forex Markup
No foreign transaction fee on international spends — a saving of
3.5%+GST vs most Indian credit cards. Ideal for international
travel
🏖️
4X
Lounge Visits per Quarter
16 complimentary domestic airport lounge visits per year — 4
every quarter — at 300+ lounges across India via Visa
Scapia Coins — How They Work
Scapia Coins are the rewards currency earned on the Federal Scapia
Card. Here's the full picture:
| Feature |
Scapia Coins Details |
| Earning Rate |
3% back as Scapia Coins on travel; 1% on all other eligible
spends
|
| Redemption |
Redeem exclusively on the Scapia app for flights, hotels,
and holiday packages at 1 Coin = ₹1
|
| Cap on Earning |
No cap on Scapia Coins earning — truly unlimited |
| Coins Validity |
12 months from date of credit; must be redeemed before
expiry
|
| Minimum Redemption |
No minimum redemption threshold |
⚠️
Important: Scapia Coins can only be redeemed
through the Scapia app for travel bookings — they
cannot be transferred to your bank account or redeemed for cash,
merchandise, or statement credit. They expire after 12 months. If
you're not a regular traveller, consider another card. Fuel,
wallet loads, EMI, and cash advances don't earn Scapia Coins.
Federal Bank Celesta Credit Card — Premium Lifestyle & Travel
The Federal Bank Celesta Credit Card is Federal
Bank's flagship premium card, designed for high-income
professionals and frequent travellers who want unlimited lounge
access, robust reward rates, and a full suite of lifestyle
privileges. At ₹7,500 per year, it delivers exceptional value
compared to similarly-priced cards from larger banks.
Celesta Key Benefits
| Benefit |
Details |
| Annual Fee |
₹7,500 + GST; waived on ₹10L annual spend |
| Welcome Cashback |
₹5,000 cashback on spending ₹50,000 in first 90 days |
| Lounge Access |
Unlimited domestic + international lounge access at 1,000+
lounges globally
|
| Reward Rate |
3 Reward Points per ₹100 on all eligible spends; 5X on
travel & dining
|
| Golf Privileges |
Complimentary golf rounds at 25+ premium golf courses across
India
|
| Concierge Service |
24×7 personal concierge for travel, dining, and lifestyle
assistance
|
| Travel Insurance |
Air accident cover up to ₹1 Crore; baggage loss & trip
cancellation cover
|
Federal Bank Credit Card Rewards Program
Federal Bank's reward structure varies across cards. Here's a
complete earning summary:
| Card |
Base Earning |
Accelerated Rate |
Points / CB Type |
Expiry |
| Scapia Card |
1% (Scapia Coins) |
3% on all travel |
Scapia Coins (₹1 each) |
12 months |
| Celesta Card |
3 pts/₹100 |
5X on travel & dining |
Federal Reward Points |
3 years |
| Signet Card |
2 pts/₹100 |
4X on dining weekends |
Federal Reward Points |
2 years |
| Visa Signature |
Direct 2% CB |
— |
Statement credit |
No expiry |
| Duo RuPay |
1 pt/₹100 |
3X on grocery & UPI |
Federal Reward Points |
2 years |
ℹ️
Federal Reward Points Value: 1 Federal Reward
Point = ₹0.25 for statement credit. For travel bookings via
Federal Bank's travel portal, value can reach ₹0.50–₹1 per point.
Celesta cardholders get a higher effective value on premium
redemptions. Always redeem on the travel portal for best returns.
Federal Bank Credit Card Features & Benefits
Federal Bank credit cards deliver strong features across all tiers —
✈️
Best-in-Class Travel Rewards (Scapia)
3% unlimited Scapia Coins on all travel bookings via the
Scapia app — flights, hotels, and holidays at no cap, no
annual fee. Zero forex markup on international spends.
🛋️
Airport Lounge Access
Scapia gives 4 visits/quarter (16/year). Celesta offers
unlimited domestic + international lounge access. Signet and
Corporate cards get 8 visits/year.
⛳
Golf & Lifestyle Privileges (Celesta)
Complimentary golf rounds at 25+ premium courses across India.
Access to curated lifestyle events, fine dining discounts, and
concierge support.
📱
UPI Credit Card (RuPay Duo)
Federal Duo (RuPay) links seamlessly to Google Pay, PhonePe,
and BHIM. Earn reward points even on UPI payments at any
merchant QR code — lifetime free.
🛡️
Zero Liability Fraud Cover
Full protection on unauthorised transactions reported within 7
days. Instant card block via FedMobile app or helpline with
replacement within 5–7 working days.
💳
EMI on All Purchases
Convert any purchase above ₹3,000 into easy 3–24 month EMIs
instantly via the FedMobile app. No-cost EMI available at
select partner merchants nationwide.
Welcome Benefits on Federal Bank Credit Cards
Federal Bank credit cards come with generous welcome bonuses to help
you get off to a flying start:
| Card |
Welcome Benefit |
Condition |
| Federal Scapia |
Immediate 500 Scapia Coins on first transaction |
Complete first eligible transaction within 30 days |
| Federal Celesta |
₹5,000 cashback |
Spend ₹50,000 within first 90 days of card issuance |
| Federal Signet |
2,500 Reward Points |
Spend ₹25,000 within first 60 days of issuance |
| Federal Visa Signature |
₹500 cashback |
Spend ₹10,000 within first 90 days |
| Federal Duo |
100 Reward Points |
On card activation and first eligible transaction |
Federal Bank Credit Card Fees & Charges
A complete breakdown of all
Federal Bank credit card fees and charges:
| Fee / Charge |
Amount |
Notes |
| Joining / Annual Fee |
₹0 – ₹7,500 + GST |
Scapia & Duo are lifetime free. Others have spend-based
waivers
|
| Finance Charges (Interest) |
3.5% per month (42% p.a.) |
Standard revolving credit rate; always pay in full to avoid
|
| Late Payment Fee |
₹100 – ₹1,200 |
Slab-based on total amount outstanding |
| Cash Advance Fee |
2.5% or ₹500 (whichever higher) |
Interest from withdrawal date; no grace period |
| Foreign Transaction Fee |
₹0 on Scapia; 3.5% + GST on others |
Scapia's zero forex fee is a major unique advantage |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per billing cycle |
| Fuel Surcharge |
1% of fuel transaction |
Waiver up to ₹200/month on select Federal cards |
| Card Replacement |
₹199 – ₹500 |
For damaged, lost, or stolen card replacement |
| GST on All Charges |
18% |
Applicable on all Federal Bank credit card fees |
⚠️
Pay in Full Always: Federal Bank charges
3.5% per month (42% per annum). Even ₹1 left
unpaid triggers interest on your ENTIRE outstanding balance from
the statement date. Pay 100% of total outstanding every month —
never just the minimum due.
Federal Bank Credit Card Eligibility Criteria
Here are the standard eligibility requirements for Federal Bank
credit card applications:
👤
Age: 21 – 60 Years
Primary cardholder must be 21–60 years. Add-on holders from 18
years. Celesta allows up to 65 years for self-employed.
💰
Income: ₹20,000+/month
Scapia & Duo: ₹20,000/month. Signet: ₹40,000/month. Celesta:
₹1L+/month or ₹15L+ annual ITR.
📊
CIBIL Score: 700+
Minimum 700 CIBIL recommended. Celesta needs 750+. Scapia has
more flexible eligibility for first-time users.
🏠
Residency: Indian Citizen
Indian residents with valid address proof and PAN card.
Minimum 1 year at current address preferred.
💼
Employment: Salaried or Self-employed
Both salaried and self-employed eligible. 1+ year employment
stability preferred by Federal Bank.
🏦
Federal Bank Account Advantage
Existing Federal Bank savings or salary account holders
receive priority processing and pre-approved offers with
minimal documentation.
Documents Required for Federal Bank Credit Card
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory), Aadhaar Card, Passport, Voter ID,
Driving Licence
|
| Address Proof |
Aadhaar Card, Passport, Voter ID, Utility bill (last 3
months), Registered rent agreement
|
| Income Proof – Salaried |
Last 3 months' salary slips, Latest Form 16, Last 6 months'
bank statement
|
| Income Proof – Self-employed |
Latest 2 years' ITR with computation, Business proof
(GST/trade licence), Last 6 months' bank statement
|
| Photograph |
Recent passport-size photo (Aadhaar OTP eKYC accepted for
most applications)
|
💡
Scapia Card Application: The Federal Scapia Card
is applied for entirely through the
Scapia app (available on iOS and Android) using
Aadhaar-based eKYC. Most eligible applicants receive approval
within minutes — completely paperless and branch-visit-free.
How to Apply for a Federal Bank Credit Card at MyBankingTips
1
Compare Cards on MyBankingTips
Use the card grid and comparison table on this page to
identify the right Federal Bank card for your needs — travel,
cashback, premium, or everyday use.
2
Free Eligibility Check — Zero CIBIL Impact
Enter your income, employment type, and city for an instant
soft eligibility check. No impact on your CIBIL score
guaranteed.
3
Click Apply & Fill the Application
Redirected to the official Federal Bank or Scapia app. Fill
personal and income details in under 5 minutes. Fully
paperless for most card types.
4
Upload Documents via eKYC
Upload PAN, Aadhaar, salary slips, and bank statement
digitally. Aadhaar OTP-based eKYC accepted for most Federal
Bank card applications.
5
Application Review & Approval
Federal Bank processes your application. Scapia card approvals
can be instant. Celesta and Signet take 3–7 working days.
Existing Federal account holders may get faster approval.
6
Card Delivery & Activation
Physical card dispatched within 7–10 working days. Activate
via FedMobile app or FedNet. For Scapia, virtual card
available immediately on approval.
Federal Bank Credit Card Bill Payment Methods
| Payment Method |
Platform |
Time to Reflect |
| FedMobile Banking App |
iOS / Android |
Instant |
| FedNet Internet Banking |
fednetbank.com |
Instant |
| NEFT / IMPS / RTGS |
Any bank app or branch |
Instant – 2 hours |
| Auto Pay / ECS Mandate |
Federal Bank or any bank |
Auto on due date |
| UPI (Google Pay / PhonePe) |
UPI apps |
Instant |
| BBPS (Bharat Bill Pay) |
Any BBPS app |
Instant – 2 hours |
| Scapia App (Scapia Card) |
Scapia iOS / Android app |
Instant |
| Branch / Cheque |
Federal Bank Branch |
3–5 working days |
💡
Best Practice: Set up ECS auto-debit for the full
outstanding amount via FedMobile or FedNet. This ensures on-time
payment, avoids ₹100–₹1,200 late fees, and maintains a perfect
CIBIL payment record — automatically.
Federal Bank Credit Card Customer Care
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1800-420-1199 |
24×7 |
| Alternate Number |
0484-2630994 |
24×7 |
| Scapia Card Support |
Via Scapia app in-app chat |
24×7 |
| Email Support |
care@federalbank.co.in |
Response within 48 hours |
| Twitter / X |
@FederalBankLtd |
Mon–Sat 9AM–6PM |
| Branch Visit |
Nearest Federal Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
💡
Emergency Card Block: Call 1800-420-1199 or use
FedMobile app → Cards → "Block Card" to instantly block your
Federal Bank credit card if lost or stolen. Replacement dispatched
within 5–7 working days. For Scapia card, use the Scapia app to
freeze the card instantly.
Federal Bank Scapia vs Similar Travel Cards
How does the Federal Scapia card compare to other top travel credit
cards in India?
| Feature |
Federal Scapia |
Axis Magnus |
HDFC Regalia Gold |
ICICI Sapphiro |
| Annual Fee |
₹0 Free |
₹12,500 |
₹2,500 |
₹3,500 |
| Travel Reward |
3% Unlimited |
12X EDGE pts |
4 pts/₹150 |
4 pts/₹100 |
| Forex Markup |
Zero ✦ |
2% |
3.5% |
3.5% |
| Lounge Access |
4/quarter (16/yr) |
Unlimited |
12/year |
16/year |
| Redemption |
Travel only (Scapia app) |
Miles/Cash/Travel |
SmartBuy/Miles |
MR Portal |
| Best For |
Budget Travellers |
Premium Travel |
All-round |
Lifestyle+Travel |
💡
Verdict: For budget travellers, the
Federal Scapia is unbeatable — it's free, gives
3% back on all travel, and zero forex markup. Frequent
international travellers should pair it with a Visa/MC for
merchants that don't accept the Scapia network widely. For
unlimited lounge and higher spend value, the
Federal Celesta at ₹7,500/year is excellent.
Pros & Cons of Federal Bank Credit Cards
✅ Pros
- ✓
Scapia Card: India's best free travel card with 3% unlimited
travel cashback
- ✓
Zero forex markup on the Scapia card — saves 3.5%+GST on every
international spend
- ✓
Celesta offers unlimited lounge access at a competitive ₹7,500
annual fee
- ✓
Visa Signature delivers straightforward 2% cashback on all
spends — no category restrictions
- ✓
Federal Duo RuPay card is lifetime free and links directly to
UPI apps
- ✓
FedMobile app consistently rated among India's top banking
apps for UX and features
- ✓
Backed by a 90+ year heritage bank — Federal Bank is trusted,
stable, and well-regulated
✗ Cons
-
✗
Scapia Coins can only be redeemed on the Scapia travel app —
no cash/statement credit option
- ✗
Scapia Coins expire in 12 months — shorter than most loyalty
currencies
- ✗
Federal Bank has fewer branches (1,400+) vs HDFC/SBI — less
convenient in some regions
- ✗
Interest rate of 3.5%/month is standard but not the lowest in
India
- ✗
Celesta card at ₹7,500 faces stiff competition from Axis
Magnus and IndusInd Celesta
- ✗
Limited to 5 partner brand accelerated rewards — smaller
ecosystem vs HDFC
Frequently Asked Questions About Federal Bank Credit Cards
Which is the best Federal Bank credit card in 2026?
For travellers who want a free card: Federal Bank Scapia (3%
unlimited travel cashback, zero forex, 16 lounge visits/year —
lifetime free). For premium lifestyle + unlimited lounge:
Federal Celesta (₹7,500/year). For straightforward cashback:
Federal Visa Signature (2% all spends, ₹1,000/year). For
entry-level + UPI: Federal Duo (lifetime free, RuPay, UPI
linked). Contact our MyBankingTips experts at
business@mybankingtips.com for personalised guidance.
What are Scapia Coins and how do I redeem them?
Scapia Coins are the rewards currency earned on the Federal Bank
Scapia Credit Card. You earn 3% back as Scapia Coins on all
travel bookings, and 1% on other eligible spends. 1 Scapia Coin
= ₹1 when redeemed for travel on the Scapia app. They can only
be redeemed through the Scapia mobile app (iOS/Android) for
flights, hotels, and holiday packages. They expire after 12
months from credit date. There is no minimum redemption
threshold and earning is unlimited.
Does the Federal Scapia card really have zero forex
charges?
Yes — the Federal Bank Scapia Credit Card has absolutely zero
foreign transaction markup on international purchases. Most
Indian credit cards charge 3.5% + 18% GST on all foreign
currency transactions. The Scapia card charges ₹0 — making it
India's best free card for international travel. This is a
massive saving of 4.13% (3.5% + GST) on every international
spend compared to standard Indian credit cards.
How do I apply for the Federal Scapia Credit Card?
The Federal Bank Scapia Credit Card is applied for through the
Scapia mobile app (download from App Store or Google Play). The
process is 100% digital: (1) Download the Scapia app, (2) Enter
mobile number and complete OTP verification, (3) Fill in
personal and income details, (4) Complete Aadhaar-based KYC, (5)
Await approval — typically within minutes for eligible
applicants. You can also apply via MyBankingTips by clicking the
Apply Now button on this page.
What is the minimum income for a Federal Bank credit
card?
Income requirements vary by card: Scapia and Duo
(₹20,000/month), Federal Visa Signature (₹25,000/month), Federal
Signet (₹40,000/month), Federal Celesta (₹1,00,000+/month). For
self-employed applicants, ITR of ₹3L–₹15L+ per annum is needed
depending on the card tier. The Scapia card has the most
accessible income eligibility, making it ideal as a first travel
credit card.
Is Federal Bank a safe and reliable credit card issuer?
Yes, completely. Federal Bank is a scheduled commercial bank
established in 1931 and regulated by the Reserve Bank of India
(RBI) — the same regulator governing all major Indian banks.
Federal Bank is publicly listed on NSE and BSE, maintains strong
financial metrics, and holds an AA+ credit rating. The Scapia
co-brand is a fintech partnership but the underlying credit card
is issued directly by Federal Bank, which means all RBI consumer
protections apply fully.
Best Federal Credit Cards for Rewards
Federal Bank RuPay Wave Credit Card
Joining Fee: ₹0
🏆 Reward
Federal Bank Imperio Credit Card
Joining Fee: ₹0
🏆 Reward
Federal Bank Visa Signet Credit Card
Joining Fee: ₹0
🏆 Reward
Federal Celesta Credit Card
Joining Fee: ₹0
✈ Travel 🏆 Reward
Best Federal Credit Cards for Travel
Federal Celesta Credit Card
Joining Fee: ₹0
✈ Travel 🏆 Reward
Federal Bank Scapia Credit Card
Joining Fee: ₹0
✈ Travel 💺 Airport Lounge Access ∞ Lifetime free
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Apply for Federal Bank Credit Card Today
Free eligibility check · Zero CIBIL impact · Expert advisory
included · 30-min expert callback from our Federal Bank
specialists.
What Our Customers Say
★★★★★
"The Federal Scapia card has genuinely changed how I travel. 3%
back on every flight and hotel booking, zero forex charges on my
Dubai trips, and 4 lounge visits every quarter — all for FREE.
MyBankingTips helped me discover this gem!"
A
Ananya Krishnan
Travel Blogger, Bangalore
★★★★★
"Federal Celesta is my go-to for business travel. Unlimited
lounge access, strong reward rate, and the golf benefit at my
home club is a fantastic bonus. MyBankingTips made the
comparison super clear — I knew exactly what I was getting."
S
Suresh Nair
Senior Manager, Kochi
★★★★☆
"Got the Federal Visa Signature as my daily driver — 2% back on
literally every spend with no category restrictions is
refreshingly simple. No points to track, no expiry. It just
works. Applied through MyBankingTips in minutes!"
R
Rajesh Varma
IT Professional, Chennai
⚠️ Disclaimer
MyBankingTips is a loan aggregator and is
authorized to provide services on behalf of its partners.
*Applicable for selected customers. Federal Bank credit card
features, fees, interest rates, and reward programmes mentioned on
this page are indicative and subject to change at Federal Bank's and
Scapia's discretion. Scapia Coins terms are governed by Scapia
Technologies and are subject to change. All credit card applications
and approvals are at the sole discretion of Federal Bank based on
the applicant's creditworthiness. MyBankingTips does not guarantee
approval. Please read the Most Important Terms & Conditions (MITC)
document carefully before applying. This content is for educational
and informational purposes only and does not constitute financial
advice.