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Last updated: 01-06-2026
Federal Bank Signet Credit Card
Federal Bank

Federal Bank Signet Credit Card

"Federal Bank's mid-range card โ€” 3X rewards on dining and entertainment, domestic lounge access and travel insurance at achievable annual fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น999 + GST
๐Ÿ”„ Renewal Fee
โ‚น999 + GST
Waived: Annual fee waived on spending โ‚น1.5 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Federal Bank customers who want a mid-range card with dining rewards, lounge access and travel insurance; those who want a non-Scapia option from Federal Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, travel)
๐ŸŽ‰ Welcome Benefit
500 bonus RPs on spending โ‚น5,000 within 30 days
๐Ÿ’ฐ Reward Rate
3 RPs per โ‚น100 on dining, entertainment and international spends (0.75% effective); 1 RP per โ‚น100 on all other eligible retail (0.25%); excludes fuel, EMI, cash, government; RPs valid 2 years
โœˆ๏ธ Lounge Access
1 complimentary domestic airport lounge visit per quarter on spending โ‚น20,000 in preceding quarter
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โœ… Pros
  • 3X on dining and entertainment
  • 1 domestic lounge per quarter on achievable โ‚น20K spend
  • Travel insurance included
  • Low โ‚น999 fee with easy โ‚น1.5L waiver
  • Fuel surcharge waiver
โŒ Cons
  • High forex markup 3.5%
  • Base 0.25% on non-dining spends is low
  • Federal Bank one-card policy
  • Lounge requires โ‚น20K quarterly spend
  • Smaller banking network vs private banks

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, travel)
Welcome Benefits
500 bonus RPs on spending โ‚น5,000 within 30 days
Reward Rate
3 RPs per โ‚น100 on dining, entertainment and international spends (0.75% effective); 1 RP per โ‚น100 on all other eligible retail (0.25%); excludes fuel, EMI, cash, government; RPs valid 2 years
Reward Redemption
Federal Bank rewards portal: vouchers, cashback, merchandise, travel; 1 RP = โ‚น0.25
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per month
Lounge Access
1 complimentary domestic airport lounge visit per quarter on spending โ‚น20,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น1.5 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น1.5L spend; 500 welcome RPs on โ‚น5K spend
Other Benefits
3X on dining and entertainment; 1 domestic lounge per quarter; fuel surcharge waiver; travel insurance; dining discounts; contactless payments; EMI conversion

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Travel insurance; personal accident cover; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
3X dining and entertainment; 1 lounge per quarter; travel insurance; fuel surcharge waiver

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น999 + GST
Annual Fee / Renewal Fee
โ‚น999 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1.5 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
As per Federal Bank prevailing rates
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Federal Bank prevailing slab
Over Limit Charges
As per Federal Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Federal Bank one-card policy; lounge requires โ‚น20K quarterly spend; verify current terms on Federal Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; minimum monthly income โ‚น25,000; Indian resident; Federal Bank customer preferred
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and Federal Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Federal Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via FedMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
0484-6754111
Chat / Email Support
Email: ccsalessupport@federalbank.co.in
Mobile App
Federal Bank FedMobile app
Online Banking
Federal Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
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