Federal Bank is one of India’s leading private-sector banks. It offers a wide
range of credit cards tailored to meet the needs of different customers. Whether you are looking
for cashback, travel perks, lifestyle privileges, or fuel savings, Federal Bank provides credit
cards designed to enhance your financial experience. With benefits such as reward points, lounge
access, and milestone rewards, these cards cater to both salaried and self-employed
individuals.
Best Federal Bank Credit Cards
Federal Bank offers a variety of credit cards designed to suit different spending habits.
Here are some of the most popular options:
Federal Bank Scapia Credit Card
Best suited for : Rewards Points & Online Shopping
Activation is simple and can be done via multiple channels:
Via Net Banking:
Log in to Federal Bank Net Banking.
Select Credit Cards > Register Credit Card.
Set a PIN using OTP verification.
Via Mobile Banking:
Download the Federal Bank Mobile App.
Select Set/Reset PIN and complete verification.
How to Redeem Federal Bank Credit Card Reward Points
To redeem reward points earned on your Federal Bank credit card:
Log in to the Federal Bank Rewards Portal.
Browse through redemption options like gift vouchers, travel bookings, and merchandise.
Select your preferred option and complete the redemption.
How to Pay Your Federal Bank Credit Card Bill
For Federal Bank Account Holders:
Net Banking – Log in to your Federal Bank account and pay directly.
Auto-Debit – Set up automatic payments to avoid late fees.
For Non-Federal Bank Account Holders:
NEFT/IMPS/RTGS – Transfer funds using IFSC: FDRL0000001.
UPI/Bill Desk – You can also use UPI apps for quick bill payments.
Federal Bank Credit Card Login & Net Banking
To access your credit card details online:
Visit the Federal Bank's official website.
Click on Net Banking and select Credit Card Banking.
Register using your credit card details.
Dos & Don'ts of Using Federal Bank Credit Cards
Dos:
Pay your bills on time to avoid interest charges.
Keep your credit utilization ratio below 30%.
Take advantage of reward programs to maximize benefits from your spending.
Monitor your credit card statements regularly for fraud detection.
Pay more than the minimum payment whenever possible to reduce debt accumulation.
Set up automatic payments to ensure you never miss a due date.
Don'ts:
Avoid making minimum payments only, as interest accumulates.
Don’t exceed your credit limit, as it affects your credit score.
Never share your card details or PIN with anyone.
Don’t use your credit card for unnecessary or impulsive purchases.
Never ignore credit card fees or hidden charges, which can add up quickly.
Avoid carrying high balances month-to-month, as it can harm your credit score.
When is the Federal Bank Credit Card Interest Charged?
Late Payments – If you miss your due date.
Cash Withdrawals – Interest is charged from the withdrawal date.
Balance Carry Forward – If you don’t clear the full bill amount.
Federal Bank Credit Card Interest-Free Period
Federal Bank offers cardholders an interest-free period of up to 50 days, as long
as the full outstanding balance is paid by the due date. This benefit allows users
to avoid interest charges, making it easier to manage their payments effectively.
How to Redeem Federal Bank Credit Card Reward Points: Federal Bank credit cardholders
can redeem reward points online or offline:
Online Redemption:
Log in to the Federal Bank credit card portal.
Select ‘Redeem Reward Points’.
Choose from available redemption options, such as vouchers or statement credit.
Confirm and complete the redemption process.
Offline Redemption:
Call Federal Bank customer service to request point redemption.
Federal Bank Credit Card Application Status: To track your Federal Bank credit
card application status:
Visit the Federal Bank website and go to the ‘Track Application’ section.
Enter your application reference number or mobile number.
Click on ‘Submit’ to check the status. Alternatively, you can call Federal Bank’s
customer service for updates.
Federal Bank Credit Card Balance Transfer: Federal Bank allows balance transfers from
other bank credit cards to a Federal Bank credit card at attractive interest rates.
Benefits of balance transfer:
Lower interest rates compared to regular credit card interest.
Flexible repayment tenure.
Helps consolidate outstanding credit card debt.
How to apply for a balance transfer:
Contact Federal Bank customer service or visit a branch.
Provide details of the existing credit card debt.
Complete the balance transfer request form and submit the required documents.
The balance transfer amount will be credited to your Federal Bank credit card.
Apply for Top Federal Bank Credit Cards with MybankingTips
Federal Bank credit cards offer various benefits such as reward points, cashback, lounge access,
travel discounts, milestone rewards, and fee waivers, catering to different spending needs.
You can apply for a Federal Bank Credit Card online through MyBankingTips or the Federal Bank
website by selecting a card, filling in your details, and submitting the required documents.
Applicants should be 21-60 years old, salaried or self-employed, and have a good credit
score (preferably 750+) with a stable income.
To apply for the Federal Bank Credit Card you need to provide Identity proof (Aadhaar, PAN,
Passport), address proof (Utility Bill, Ration Card), and income proof (salary slips, Form 16,
or bank statements) are required.
You can easily track your application online on the Federal Bank website using your
application reference number or registered mobile number.
Federal Bank provides an interest-free period of up to 50 days if you pay your total
outstanding amount by the due date.
Reward points can be redeemed online via the Federal Bank Rewards Portal for vouchers,
travel bookings, and merchandise, or through customer care for offline redemption.
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Top Credit Cards in India