Best Federal Bank Credit Cards – Top Offers & Rewards

Why Choose a Federal Bank Credit Card?

Federal Bank credit cards are known for:

• Lifetime free cards (no joining fee, no annual fee)
• Low interest rates (starting from 5.88% per year)
• Best rewards on groceries, healthcare, and utilities
• Family-focused reward structure (3-2-1 rewards)
• UPI credit card support
• Fintech partnership with OneCard

Most Federal Bank cards are designed for Indian families and salaried users, not just luxury spenders.

Entry-Level Federal Bank Credit Cards

Find the best entry-level Federal Bank credit cards ideal for beginners — low fees, welcome offers, cashback, and benefits.

Federal Bank RuPay Wave Credit Card

This card is best for people who use UPI daily.

Key Benefits:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil
• Welcome Offer: 10% cashback on first 5 UPI transactions
• UPI Payment: Use a credit card via PhonePe, GPay, Paytm
• Fuel Surcharge Waiver: 1%
• Insurance: Personal accident cover
• Security: EMV chip protection

👉 Example:
If you make 5 UPI payments of ₹500, you spend ₹2,500 and get ₹250 cashback instantly.

Best for: Students, first-time card users, UPI users

Federal Bank RuPay Signet Credit Card

This card is good for shopping and family expenses.

Key Benefits:

• Joining Fee: Nil
• Annual Fee: Nil
• Welcome Offer: ₹200 Amazon voucher
• Rewards Structure (3-2-1):
  • 3× points on groceries & healthcare
  • 2× points on utility bills
  • 1× point on other spending
• UPI Support
• Fuel Surcharge Waiver: 1%
• Insurance: Purchase protection

👉 Example:
If you spend ₹10,000 per month on groceries, you earn extra reward points worth ₹600–₹800 per year.

Best for: Small families, daily shopping users

Mid-Tier Federal Bank Credit Cards

Get the best mid-tier Federal Bank credit cards featuring rewarding benefits, travel perks, cashback offers, and eligibility.

Federal Bank Imperio Credit Card

This is one of the best lifetime free family credit cards in India.

Key Benefits:

• Joining Fee: Nil
• Annual Fee: Nil
• Welcome Offer: ₹400 Amazon voucher
• Rewards (3-2-1 structure)
• Airport Lounge Access: 8 domestic visits per year
• Movie Offer: Buy 1 Get 1 free (INOX) once per quarter
• BigBasket Vouchers: ₹300 per quarter on ₹50,000 spend
• Fuel Surcharge Waiver: 1%
• Interest Rate: From 0.69% per month

👉 Annual Value:

• Lounge visits: ₹4,000–₹8,000
• Movies: ₹1,200–₹1,600
• Grocery rewards + vouchers: ₹2,000+

Total yearly value: ₹7,000–₹12,000 (free)

Best for: Middle-income families, grocery & healthcare spenders

Federal Bank Visa Celesta Credit Card

This card is best for frequent travelers and movie lovers.

Key Benefits:

• Joining Fee: Nil
• Annual Fee: Nil
• Welcome Offer: ₹600 Amazon voucher
• Rewards: 3× groceries & healthcare
• Airport Lounge Access: 12 domestic visits per year
• Movie Offer: BOGO on INOX & BookMyShow
• Travel Insurance included
• Fuel Surcharge Waiver: 1%

👉 Lounge access alone can save ₹6,000–₹12,000 per year.

Best for: Frequent flyers, entertainment lovers

Premium Federal Bank Credit Card

Compare the Premium Federal Bank credit card, which offers premium rewards, concierge services, exclusive deals, travel perks, and luxury benefits.

OneCard Metal Credit Card (Federal Bank Partner)

OneCard is India’s smartest lifetime-free metal credit card.

Key Benefits:

• Joining Fee: Nil
• Annual Fee: Nil
• Base Rewards: 2% cashback
• Top Categories: 10% cashback on top 2 spending categories every month
• Reward Value: 1 point = ₹0.10
• Forex Markup: Only 1%
• Fuel Surcharge Waiver: Up to ₹400/month
• App-based control
• Premium metal card design

👉 Example:
If you spend ₹30,000 per month, you can earn ₹20,000–₹30,000 cashback per year.

Best for: High spenders, professionals, tech-savvy users

Reward Points & Redemption

You can redeem Federal Bank reward points for:

• Flight & hotel bookings
• Amazon, BigBasket, BookMyShow vouchers
• Statement credit
• Cashback (OneCard)
• Shopping products

Eligibility Criteria (Simple)

Age:

• Main cardholder: 21–60 years
• Add-on card: 18+

Income:

• Entry cards: ₹15,000–₹25,000 monthly
• Mid cards: ₹25,000–₹40,000 monthly
• OneCard: App-based approval

Credit Score: 700+ recommended (750+ best)

Required Documents

• PAN Card
• Aadhaar Card
• Salary slips (3 months)
• Bank statement (6 months)

Best Federal Bank Credit Cards by Salary

Below ₹50,000 Salary

Best Card: Federal Bank Imperio
Annual Value: ₹7,000–₹12,000
Best For: Families, groceries, lounges

Above ₹50,000 Salary

Best Card: OneCard Metal
Annual Value: ₹20,000–₹35,000
Best For: High spenders, cashback lovers

Conclusion

Federal Bank credit cards are ideal for Indian users seeking real benefits without fees.
From Imperio for families to OneCard Metal for high spenders, every card offers strong value, simple rewards, and lifetime free benefits.

If you want airport lounges, grocery rewards, movie tickets, and cashback without paying annual fees, Federal Bank credit cards are among the best choices in India in 2026.