Federal Bank RuPay Signet Credit Card

Rewards, as stated by the issuer

• Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories.
• Are there any charges for redemption of reward points?

Other benefits

• Enjoy the future of digital payments with the Federal Bank Rupay Signet Credit Card! This feature-rich rupay credit card offers a seamless blend of convenience, rewards, and security, empowering you to manage your finances effortlessly.
• We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹200 on minimum spend of Rs.3,000 in first 30 days.
• Personal Accident insurance cover of Rs.2 Lakhs and 24*7 Concierge Services
• Gain access to a wide variety of Rupay offers and deals , including travel, food and dining, shopping, sports, entertainment, lifestyle and much more
• Lifetime Free Credit Cards
• Limited period Offer
• Swiggy Voucher Terms & Conditions
• Inox Offer Terms & Conditions
• What are the credit card products offered by Federal Bank?
• • Imperio: Curated for you and your family, get exciting offers on healthcare, lifestyle and daily needs.
• • Celesta: Upgrade your lifestyle with benefits on travel, luxury hotel bookings and premium golfing experience.
• • Your card is a Lifetime Free Credit Card with Zero Annual Membership Fee and Zero Joining Fee.
• Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer). To know more refer Schedule of Charges
• Offers & Rewards
• Where to check for the offers available on credit card?
• To check the latest offers on credit cards, click here
• Attractive Cashbacks & Instant Discounts
• EMI on Call : Dial our toll-free numbers 1800-420-1199 / 1800-425-1199 and follow the instructions to convert your transaction to EMI.

Welcome & milestones

Lounge access

Domestic: Complimentary lounge access – Spend INR 20,000 or more in a quarter to enjoy 1 Domestic Lounge access in the next quarter.*

Eligibility

Every fee line found on the page

• Annual Percentage Rate (APR) starting from 1.99% p.m. (23.88% p.a.)*
• Lifetime Free Credit Cards
• • Your card is a Lifetime Free Credit Card with Zero Annual Membership Fee and Zero Joining Fee.
• • Lowest Dynamic Annual Percentage Rate (APR) starting from 5.88% p.a.
• • Fuel surcharge waiver Benefits @1%*
• Add-on Credit Card is a supplementary Credit Card which can be issued to Primary card holder’s family members, within the credit limits and liability of the primary card holder. The Add-on Card allows you to share existing Credit card limit and features with up to 4 family members.
• • Up to 4 Add-On cards can be availed. Applicable Charges: ₹100 + GST per card.
• The interest rates range from 13% to 15% per annum (based on the tenure availed) + Applicable GST. Refer General EMI T&C for more details: https://www.federal.bank.in/credit-card-emi-terms-and-conditions
• • Lowest Interest rates at 0.83% p.m. (9.99% p.a.)
• If the customer maintains an average monthly balance of less than Rs.50,000 in the savings account for the last quarter, the APR applied on the Credit Card will be 3.75%. Given that there is no late payment fee or markup fee, but a cash advance fee is charged, the calculation will be as follows:
• If the customer maintains an average monthly balance of less than Rs.50,000 in their savings account for the last quarter, then the APR applied on their Credit Card will be 3.75%. If there is a Rs.1000 charge for late payment and markup fee but no cash advance fee is charged, the calculation will be as follows:
• If the customer maintains an average monthly balance of less than Rs.50,000 in their savings account for the last quarter, the APR applied to their Credit Card will be 3.75%. If there is a Rs.500 charged for late payment, Rs 10 as markup fee, and Rs 20 as cash advance fee, the calculation will be as follows:
• If the customer maintains an average monthly balance of Rs.10,00,000 in their savings account for last quarter, then the APR applied on their Credit Card will be 0.69%. If a cash advance fee of Rs 10 is charged, the calculation will be as follows:
• If the customer maintains an average monthly balance of Rs.10,00,000 in their savings account for the last quarter, the APR applied on their Credit Card will be 0.69%. For example, if a Late payment fee of Rs.1000 and a Markup fee of Rs.10 are charged, the calculation will be as follows:
• If the customer maintains an average monthly balance of Rs.10,00,000 in their savings account for the last quarter, the APR applied on the Credit Card will be 0.69%. Considering a late payment fee of Rs.500, a markup fee of Rs.20, and a cash advance fee of Rs.10 are charged, the calculation will be as follows: