Federal Bank credit cards
We cover 3 Federal Bank cards, 3 with no annual fee. Annual fee: ₹0.
At a glance
- 3 cards are currently offered (open, invite-only or waitlisted).
- 3 with no annual fee.
- 3 include domestic airport lounge visits (check the spend conditions).
- 1 of 3 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open Federal Bank cards by net yearly value are Scapia Federal Bank Credit Card, Federal Bank Visa Signet Credit Card.
All Federal Bank cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| Scapia Federal Bank Credit Card | ₹0 | ₹12,000 | 2% base, 4% at partners or via portal, capped | open | Official docs |
| Federal Bank Visa Celesta Credit Card | ₹0 | ₹2,160 | 0.25% base, up to 0.75% on flights & hotels/international (foreign currency) | invite-only | Partly verified |
| Federal Bank Visa Signet Credit Card | ₹0 | ₹917 | 0.13% base, up to 0.25% on entertainment & ott, 0.38% at partners, capped | open | Partly verified |
Which Federal Bank card suits whom
Scapia Federal Bank Credit Card (₹0 a year)
A lifetime-free card for people who book travel through the Scapia app: 20% coins on app travel bookings (about 4% in rupee terms) and 10% coins (about 2%) on most other spends on the Visa version, with no annual fee. Eligibility as stated: Indian resident 21-65, min annual income INR5 lakh (Scapia); must not hold another Federal co-branded card.
Federal Bank Visa Celesta Credit Card (₹0 a year)
Offered only to Federal Bank customers who meet a relationship test (for example an average balance of ₹10 lakh, or a net monthly salary credit of ₹2 lakh or more). Eligibility as stated: Official Celesta eligibility: AMB ₹10 lakh across SB/current accounts (Customer or Family ID), OR AMB ₹5 lakh plus TRV ₹50 lakh, OR TRV ₹100 lakh, OR net monthly salary credit ₹2 lakh or more (corporate salary accounts). Customers who stop meeting these are moved to a lower savings category.
Federal Bank Visa Signet Credit Card (₹0 a year)
A card with one of the lowest base returns in our data: 1 point per ₹200 on most spends, and Federal's MITC states that a point is worth ₹0.25, so that is 0.125%.