Federal Bank Lifetime Free Credit Cards

Federal Bank offers a range of lifetime free credit cards designed to match your lifestyle and spending habits. These cards come with no joining or annual fees, making them a smart and cost-effective choice for everyone. 

Updated On - 24 Apr 2026

Why Choose a Federal Bank Lifetime Free Credit Card?

Federal Bank's lifetime free credit cards are more than just a payment tool. They are your passport to a world of exclusive benefits, rewards, and savings. With no annual charges, you can enjoy all the perks without any financial burden.

Some of the benefits of opting for a Federal Bank Lifetime Free Credit Card are mentioned below:

  • No Annual Fees: You don't have to pay any annual fees for these credit cards.
  • Welcome Benefits: Get exciting welcome vouchers from top brands.
  • Reward Points: Earn reward points on your purchases and redeem them for a variety of products and services.
  • Lounge Access: Enjoy complimentary access to domestic and international airport lounges.
  • Entertainment Offers: Get 'Buy One Get One' offers on movie tickets.

Different Lifetime Free Credit Cards Offered by Federal Bank

The different lifetime free credit cards that are offered by Federal Bank are mentioned below:

  • Federal Bank Visa Celesta Credit Card
  • Federal Bank Visa Imperio Credit Card
  • Federal Bank Visa Signet Credit Card

Federal Bank Visa Celesta Credit Card

The Federal Bank Visa Celesta Credit Card is designed for those who enjoy a premium lifestyle. It offers a host of benefits on travel, dining, and entertainment.

Welcome Offer:

  • Get an Amazon Pay e-Voucher worth Rs.600 on a minimum spend of Rs.10,000 in the first 30 days.

Rewards:

  • 3x rewards on travel and international spends.
  • 2x rewards on dining.
  • 1x rewards on other categories.

Lounge Access:

  • Two complimentary international lounge visits per year.
  • Two complimentary domestic lounge visits per quarter on spending Rs.60,000 or more in the previous quarter.

Entertainment:

  • Buy one, get one free on INOX movie tickets once a month.

Other Benefits:

  • 1% fuel surcharge waiver and a low foreign currency mark-up fee of 2%.

APR:

  • Starts from 1.99% per month.

Mark-Up Fee:

  • 2% on foreign transactions.

Federal Bank Visa Imperio Credit Card

The Federal Bank Visa Imperio Credit Card is perfect for families, with a focus on healthcare, groceries, and utility bill payments.

Welcome Offer:

  • Get an Amazon Pay e-Voucher worth Rs.400 on a minimum spend of Rs.5,000 in the first 30 days.

Rewards:

  • 3x rewards on healthcare and grocery spends.
  • 2x rewards on utility bills.
  • 1x rewards on other categories.

Lounge Access:

  • Two complimentary domestic lounge visits per quarter on spending Rs.40,000 or more in the previous quarter.

Entertainment:

  • Buy one, get one free on INOX movie tickets once a quarter.

Fuel:

  • A 1% fuel surcharge waiver.

APR:

  • Starts from 1.99% per month.

Federal Bank Visa Signet Credit Card

The Federal Bank Visa Signet Credit Card is tailored for individuals who love to spend on electronics, apparel, and entertainment.

Welcome Offer:

  • Get an Amazon Pay e-Voucher worth Rs.200 on a minimum spend of Rs.3,000 in the first 30 days.

Rewards:

  • 3x rewards on electronics and apparel spends.
  • 2x rewards on entertainment.
  • 1x rewards on other categories.

Lounge Access:

  • One complimentary domestic lounge visit per quarter on spending Rs.20,000 or more in the previous quarter.

Entertainment:

  • Buy one, get one free on INOX movie tickets once a quarter.

APR:

  • Starts from 1.99% per month.

Key Features at a Glance 

Feature

Visa Celesta

Visa Imperio

Visa Signet

Joining/Annual Fee

Lifetime Free

Lifetime Free

Lifetime Free

Welcome Offer

Rs.600 Amazon Pay e-Voucher

Rs.400 Amazon Pay e-Voucher

Rs.200 Amazon Pay e-Voucher

Best For

Travel & Lifestyle

Family & Household Spends

Shopping & Entertainment

Lounge Access

International & Domestic

Domestic

Domestic

Movie Offer

BOGO on INOX (once a month)

BOGO on INOX (once a quarter)

BOGO on INOX (once a quarter)

Eligibility Criteria

To apply for a Federal Bank Lifetime Free Credit Card, you need to meet the following basic criteria:

  • Age: You must be at least 21 years old.
  • Nationality: You must be an Indian resident or a Non-Resident Indian (NRI).
  • Credit History: A good credit history will increase your chances of getting your application approved.

FAQs on Federal Bank Lifetime Free Credit Cards

  1. Are Federal Bank lifetime free credit cards really lifetime free?

    Yes, Federal Bank lifetime free credit cards come with no joining or annual membership fees. 

  2. What are the welcome benefits on Federal Bank’s lifetime free credit cards?

    You can get Amazon Pay e-vouchers as a welcome benefit on meeting the minimum spending criteria within the first 30 days of card issuance. 

  3. How can I earn reward points on Federal Bank’s lifetime free credit cards?

    You can earn reward points on all your spends, with accelerated rewards on specific categories for each card variant. 

  4. Do Federal Bank’s lifetime free credit cards offer lounge access?

    Yes, all three cards offer complimentary domestic airport lounge access. The Celesta card also offers international lounge access. 

  5. Are there any entertainment benefits on Federal Bank’s lifetime free credit cards?

    Yes, all three cards offer a ‘Buy One Get One’ offer on INOX movie tickets. 

  6. What is the fuel surcharge waiver?

    The Celesta and Imperio cards offer a 1% fuel surcharge waiver at all fuel stations across India. 

  7. What is the foreign currency mark-up fee for the Celesta card?

    The Celesta card has a low foreign currency mark-up fee of 2%. 

  8. How can I apply for a Federal Bank credit card?

    You can apply for a Federal Bank credit card online through the bank's website or by visiting a branch. 

  9. What documents are required for the application?

    You will need your PAN card, Aadhaar card, and proof of income (like bank statements or ITR). 

  10. Can I get an add-on card for my family members?

    Yes, you can get up to four add-on cards for your family members. 

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