Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Federal Bank of India Credit Card

    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.

    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.

    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.

    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

    Key Highlights: Curated for daily spends, this 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:

    • Get 1 reward point for every Rs.100 spent.
    • Accelerated reward points on dining and shopping spends.
    • 1% fuel surcharge waived at all petrol pumps.
    • Get 2,000 reward points on spending Rs.2,000 within the first 2 months of card issuance.

    Federal Bank SBI VISA Platinum

    Key Highlights: A premium 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:

    • A gift voucher worth Rs.3,000 from partner merchants as a joining gift.
    • For every Rs.100 spent, get 2 reward points.
    • Accelerated reward points of 5X on dining, departmental and international spends.
    • 1% fuel surcharge waived off.
    • Get 500 reward points on shopping for more than Rs.1,000 in a single transaction within one month.
    • International lounge access offered.
    • Golf course access given with the card.

    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

    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 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.

    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.


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    Federal Bank Credit Cards Reviews

    • Federal Bank
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Federal Bank credit card which was taken through bank directly.The credit limit was 30,000 and got this credit card on time without any delay.The agent clearly shared all the relevant details about this credit card .There are pretty good cash back offers as well as reward points .
      Was this review helpful? 6
      , hyderabad
      Reviewed on Dec 23, 2019
    • Federal Bank
      Federal Bank
      "good service"
      0.5 4.0/5 "Great!"
      I applied for Federal bank credit card directly with the bank and received the card with in 3 weeks. I am using this card only for past 2 months. The credit limit offered from bank is Rs.50000 and the cash limit is Rs.10000. I get good cash back on fuel. It is a life time free credit card.
      Was this review helpful? 1
      , kochi
      Reviewed on Dec 20, 2019
    • Federal Bank
      "Need to provide more offers"
      0.5 3.5/5 "Pretty good"
      FEDERAL bank is a good service but they are not providing much offers to use this card. It is a life time free card. The credit limit was 25-30K now they have enhanced to 35k. EMI conversion is available. I am holding more than 1 year. I use for shopping, restaurants and fuel purposes.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 17, 2019
    • Federal Bank
      "Best service"
      0.5 4.5/5 "Excellent!"
      I have been using my salary account with federal bank from long time . i am very much satisfied with there service and i have been using this service for long time , there branch service is very friendly service they provide friendly environment and there customer support team is responding good, till now my experience with this bank is good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Apr 21, 2019
    • Federal Bank
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a rewards credit card with Federal Bank from last 4-5 months, the credit limit is less in this credit card. An annual fee of Rs 500 has to be paid every year for this credit card. Offers like reward points are good in this credit card and even the value is good.
      Was this review helpful? 11
      , ludhiana
      Reviewed on Aug 28, 2018
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