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Federal Bank · Visa

Federal Bank Signet Credit Card

3X on electronics and apparel, 2X on entertainment and 1X on other eligible spends

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SegmentMid
Joining feeNil for customers onboarded from 3 April 2023 under the current lifetime-free offer
Annual feeNil for customers onboarded from 3 April 2023 under the current lifetime-free offer
Reward typeReward Points

Reward categories

Electronics and apparel3 Federal Reward Points per ₹200
Entertainment2 Federal Reward Points per ₹200
Other eligible retail spends1 Federal Reward Point per ₹200
InsuranceApplicable category rate

Cap: 250 Reward Points per card per calendar month

Welcome & milestones

Welcome

  • Amazon Pay e-voucher worth ₹200Spend at least ₹3,000 in the first 30 days

Milestones

  • ₹20,000 in a quarterComplimentary Swiggy voucher, subject to the issuer's voucher terms
  • ₹20,000 in the immediately preceding qualifying quarter1 domestic airport lounge visit in the next quarter

Lounge rules

Domestic: 1 complimentary domestic airport lounge visit per quarter after at least ₹20,000 of settled/billed spend in the immediately preceding qualifying quarter

Primary cardholder only from 1 October 2025. Add-on cardholders are ineligible; cash transactions do not count; unused access does not carry forward.

Eligibility

Age

  • At least 21 years for an unsecured Federal Bank credit card

Income

    Employment

    • Salaried or self-employed applicants may be asked for income evidence

    Documents

    • Indian resident or NRI
    • PAN
    • Aadhaar
    • Last 3 months' bank statements; salaried applicants need the salary-crediting account statement
    • Income-tax login credentials may be requested from self-employed/non-salaried applicants
    • Good credit history and approval under Federal Bank's internal policy

    Other benefits

    • Buy-one-get-one INOX movie-ticket offer once per quarter, subject to offer terms
    • Complimentary Swiggy voucher on ₹20,000 quarterly spend, subject to voucher terms
    • Visa merchant offers
    • Dynamic APR linked to the average monthly balance maintained with Federal Bank
    • Up to 48 days of interest-free credit, subject to full and timely payment

    Exclusions

    Cash transactions do not earn Reward PointsFuel MCC 5172, 5541, 5542 and 7983 does not earn Reward PointsGovernment-service MCC 4011, 4784, 9211, 9222, 9311, 9399, 9402 and 9405 does not earn Reward PointsE-wallet loads do not earn Reward PointsRent payments do not earn Reward PointsFinancial-institution MCC 6012 and quasi-cash MCC 6050 and 6051 do not earn Reward Points

    Recent changes

    1. Domestic lounge access became spend-gated and limited to primary cardholders; add-on cardholders became ineligible.

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