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    Federal Bank Credit Cards Reviews

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    Federal Bank Credit Cards

    Credit Card BYTES FROM OUR KITCHEN

    Federal Bank Credit Card Overview:

    Federal Bank, a major private sector commercial bank in India, is headquartered at Aluva, Kerala. The bank spans across the country with more than 1000 branches and ATMs. It has its origins dating back to pre-independent India and was initially known as the Travancore Federal bank In the year 1947, it was officially changed to the Federal Bank Limited and has grown to be one of the most stable and strong banks in India.

    Federal Bank offers two credit cards to its customers. The credit cards are internationally accepted. Federal Bank credit cards are issued in association with VISA and are co-branded with State Bank of India. Customers can use these cards for a variety of payments, shopping, online transactions and at a million POS terminals.

    Why Choose Federal Bank Credit Cards?

    With a Federal Bank credit card you get a number of advantages in the palm of your hand. There’s a choice of two cards that caters to the high-end user and the regular user.

    • Federal Bank SBI - VISA Gold 'N More
    • Federal Bank SBI VISA Platinum

    With the regular card “Gold 'N More”, you can enjoy low entry and annual fees and get added benefits and special Federal Bank offers. Also earn reward points and avail of fuel surcharges! With the high-end “Platinum” card, you can spend more with a higher credit limit and enjoy exclusive benefits, discounts and privileges.

    Features and Benefits of Federal Bank Credit Cards: 

    Enjoy an array of benefits with the Federal Bank Credit Cards. The features of the credit cards are attractive and luring to any customer.

    • Customers can choose between two cards to suit their needs
    • The cards are internationally accepted at over a million outlets
    • Get gifts and offers upon joining
    • Earn rewards when you spend on your credit card and redeem them later for a variety of offers.
    • Enjoy fuel surcharge waivers of up to Rs. 100 per month on Gold ‘N More, and Rs. 250 per month on the Platinum card.
    • Get add on cards for your loved ones
    • Access cash anywhere around the world at anytime by making withdrawals at over a million ATMs available.
    • Pay your bills online easily and securely
    • Book railway tickets online and get them delivered to your home.
    • Transfer your other bank’s credit card balance to a Federal Bank card at lower rates of interest.
    • Get easy monthly instalment plans to pay bank your dues.
    • Get your credit card statement electronically via email.

    Federal Bank Rate of Interest:

    Charge VISA Gold ‘N More VISA Platinum
    Entry fee Rs. 499 Rs. 2,999
    Annual Fee Rs. 499 Rs. 2,999
    Rate of interest per month 3.35% 3.35%

    Federal Bank Rewards:

    Usage VISA Gold ‘N More VISA Platinum
    Retail Spends 1 point per Rs. 100 2 points per Rs. 100
    Grocery stores 10 points -
    Departmental stores 10 points 10 points
    Dining - 10 points
    International spends - 10 points

    List of Federal Bank Credit Cards:

    Federal Bank presents two credit cards in association with VISA. These cards are partnered with SBI.

    • Federal Bank SBI - VISA Gold 'N More
    • Federal Bank SBI VISA Platinum

    Federal Bank Credit Card FAQs:

    1. How do I apply for a Federal Bank Credit Card?
    2. Federal Bank credit cards are available to pre-selected customers at select branches of Federal Bank. This is the current situation and may change in the future. To avail of the credit cards, contact any of the designated branches of Federal Bank.

    3. How do I avail of the 0% fuel surcharge offer?
    4. Use your credit card at any petrol pump outlet to purchase petrol, diesel and lubricants. On the Gold ‘N More card, the surcharge waiver is applicable for amounts of Rs. 500 to Rs. 3000 per transaction. The maximum 0% surcharge you can avail of per month is Rs. 100.

      With the Platinum card, the waiver is applicable for transactions of Rs. 500 to Rs. 4000. The maximum surcharge waiver you can avail of is Rs. 250 per month.

    5. Can I avail of an overdraft facility with these credit cards?
    6. Yes, Federal Bank offers easy bank draft facilities on these credit cards. Make a local phone call to the SBI Card Customer Helpline to order a bank draft. The money will be charged to your Federal Bank SBI card and you can use the money as you please.

    7. What is the maximum credit limit I can get with a Federal Bank Credit Card?
    8. The VISA Gold ‘N More credit card offers a credit limit of up to Rs. 1.75 lakhs. The VISA Platinum card has a maximum credit limit of up to Rs. 5 lakhs.

    9. Is the rate of interest chargeable on Federal Bank credit cards fixed?
    10. No, credit card debt is an unsecured debt offered to you by the bank. Credit card interest rates are not fixed and can increase based on your repayment and spending patterns. When you default on a credit card payment, you could face higher rates of interest. Currently, the Federal Bank’s interest rate on credit cards is 3.35% per month.

    News About Federal Bank credit card

    • RBI Approves Federal Bank to Join the BBPS

      Reserve Bank of India has approved Federal Bank to join the BBPS (Bharat Bill Payment System). BBPS is a standard billing platform launched by the NPCI (National Payments Corporation of India) which integrates all bills in one system enabling customers to pay any kind of bill using multiple methods.

      BBPS can be used to pay bills for utility services like telephone, gas, electricity and water. Customers can just register their bill and make payment using the internet or mobile or through a kiosk or an ATM. BBPS allows customers to use their credit card, debit card, NEFT or IMPS to make bill payments. Soon, customers will also be able to pay insurance premiums, municipality taxes, school and university fee and mutual funds.

      According to the head of Digital Banking, Federal Bank has qualified to operate under BBPS, owing to its value added digital services, especially for bill payments. Addition of this technology is expected to make more options available to the bank’s customers.

      25th May 2016

    • Use your credit card judiciously!

      Credit cards provide a great convenience to us when making our transactions. If used in a right way, it gives a maximum convenience and benefit.

      18th September 2014

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