• Age: Between 21 and 60 years.
• Employment Type: Available for salaried and self-employed individuals.
• Income Requirement: Varies based on the selected credit card.
• Credit Score: A 750+ credit score increases approval chances.

• Annual Fee: Varies by card type.
• Finance Charges:
• Premium Cards: 2.99% per month (35.88% per annum)
• Other Cards: 3.99% per month (47.88% per annum)
• Late Payment Charges:
• Up to ₹500 – No charges.
• Above ₹500 – 10% of the outstanding amount (maximum ₹1,350).

1. Via Net Banking:
• Log in to Federal Bank Net Banking.
• Select Credit Cards > Register Credit Card.
• Set a PIN using OTP verification.
2. Via Mobile Banking:
• Download the Federal Bank Mobile App.
• Select Set/Reset PIN and complete verification.

1. Log in to the Federal Bank Rewards Portal.
2. Browse through redemption options like gift vouchers, travel bookings, and merchandise.
3. Select your preferred option and complete the redemption.

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.

• Visit the Federal Bank's official website.
• Click on Net Banking and select Credit Card Banking.
• Register using your credit card details.

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.

• 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.

• 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.

• Toll-Free Number: 1800-425-1199
• Email: creditcard@federalbank.co.in
• Website: www.federalbank.co.in