Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Federal Bank, a major private sector commercial bank in India, is headquartered at Aluva, Kerala. 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.
With a Federal Bank credit card you get a number of advantages in the palm of your hand. There's a choice of these cards that caters to the high-end user and the regular user.
Enjoy an array of benefits with the Federal Bank Credit Cards. The features of the credit cards are attractive and luring to any customer.
| Ease of Access | Customers can choose between two cards to suit their needs. |
| Global Acceptance | The cards are internationally accepted at over a million outlets. |
| Welcome Gifts | Get gifts and offers upon joining. |
| Rewards | Earn rewards when you spend on your credit card and redeem them later for a variety of offers. |
| Fuel Surcharge | Enjoy fuel surcharge waivers of up to Rs. 100 per month on Gold ‘N More, and Rs. 250 per month on the Platinum card. |
| Add-on cards | Get add on cards for your loved ones. |
| Easy cash withdrawals | Access cash anywhere around the world at any time by making withdrawals at over a million ATMs available. |
| Bill payments | Pay your bills online easily and securely |
| Railway Bookings | Book railway tickets online and get them delivered to your home. |
| Balance Transfer | Transfer your other bank’s credit card balance to a Federal Bank card at lower rates of interest. |
| Easy EMI | Get easy monthly instalment plans to pay bank your dues. |
| Digital Access | Get your credit card statement electronically via email. |
Key Highlights: Curated for daily spends, this Federal Bank SBI - VISA Gold 'N More Credit Card offers a wide range of benefits and reward points on dining and shopping spends.
Joining Fee: Rs.499
Annual Fee: Rs.499
Features and Benefits:
Key Highlights: The Federal Bank SBI VISA Platinum Credit Card offering many benefits across various categories such as dining, shopping and travel.
Joining Fee: Rs.2,999
Annual Fee: Rs.2,999
Features and Benefits:
Key Highlights: This is a Federal Bank Visa Celesta Credit Card with which you can earn points on entertainment, travel, and lifestyle spends.
Annual Fee: Rs.3,000
Features and Benefits:
Key Highlights: The Federal Bank Imperio Credit Card allows you to enjoy benefits on entertainment, travel and lifestyle. You will earn reward points every time you swipe the credit card.
Annual Fee: Rs.1,500
Features and Benefits:
Key Highlights: The Federal Bank Visa Signet Credit Card offers a variety of benefits on entertainment, travel and shopping.
Annual Fee: Rs.750
Features and Benefits:
| Usage | VISA Gold ‘N More | VISA Platinum | Federal Bank Visa Celesta Credit Card | Federal Bank Imperio Credit Card | Federal Bank Visa Signet Credit Card |
|---|---|---|---|---|---|
| Retail Spends | 1 point per Rs.100 | 2 points per Rs.100 | 1x reward points | 1x reward points | 1x reward points |
| Grocery stores | 10 points | - | - | 3x reward points | - |
| Departmental stores | 10 points | 10 points | - | - | - |
| Dining | - | 10 points | 2x reward points | - | - |
| International spends | - | 10 points | 3x reward points | - | - |
| Travel | - | - | 3x reward points | - | - |
| Utility bills | - | - | - | 2x reward points | - |
| Health care | - | - | - | 3x reward points | - |
| Electronics and apparel | - | - | - | - | 3x reward points |
| Entertainment | - | - | - | - | 2x reward points |
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.
Yes, Federal Bank offers easy bank draft facilities on these credit cards. Make a local phone call to the SBI Credit Card Customer 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.
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.
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.
The applicant should earn at least Rs.18,000 per month to apply for a credit card from Federal Bank.
The Celesta Contactless Debit Card from Federal Bank offers contactless convenience. A contactless card provides a quicker way to use your debit card to pay for purchases under Rs.5,000.
The daily cash withdrawal limit of Federal Bank debit card is Rs.50,000.
You can block your lost Federal Bank credit card by contacting the toll free number 1800-420-1199.
If you don’t pay your credit card bill, you have to pay late fees and interest charges.
Credit cardholders have to pay 2% to 3% interest per month.
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