Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across FEDERAL Bank's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
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Showing 1–6 of 13 FEDERAL Bank cards • Page 1 of 3
Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship FEDERAL Bank cards side by side.
| Card SpecsComparison |  Federal Bank Celesta NRI Credit CardNRI Wealth & Global Transit | Scapia Federal Credit CardTravel, Zero Forex & Lounges | Federal Bank OneCard Credit CardMetal Card & Mobile Rewards | Federal Bank RuPay Wave Credit CardVirtual UPI & Daily QR Payments | Federal Bank Signet Credit CardEntry-Level Shopping & Entertainment | MagniFi Fi-Federal Credit CardWeekend Lifestyle & FinTech | Federal Bank Imperio Credit CardFamily Grocery & Healthcare |  AmpliFi Fi-Federal Credit CardMulti-Brand Lifestyle & Travel | Federal Bank Celesta Credit CardPremium Travel & Dining |  SimpliFi Fi-Federal Credit Card (FD-Backed)Secured Digital Credit Builder |  Federal Bank Imperio Business Credit CardMSME & Business Working Capital |  Fed StarBiz Credit CardOverdraft & MSME Working Capital | Federal Bank Imperio NRI Credit CardNRI Family & Household |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Annual Fee | Nil (Lifetime Free for qualifying NRE/NRO balances) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | ₹2,000 + GST | Nil (Lifetime Free) | Nil (Lifetime Free) | ₹499 + GST | ₹275 + GST | Nil (Lifetime Free for qualifying balances) |
Joining Fee | Nil (Issued against NRE/NRO banking relationship) / ₹3,000 + GST | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) | ₹2,000 + GST | Nil (Lifetime Free) | Nil (Lifetime Free) | ₹499 + GST | ₹275 + GST | Nil (Against NRE/NRO relationship) / ₹1,500 + GST |
Waiver Spend | Lifetime Free for customers maintaining prescribed NRE/NRO deposit balances | Lifetime Free unconditionally | Lifetime Free unconditionally | Lifetime Free unconditionally | Lifetime Free unconditionally | Lifetime Free unconditionally | Lifetime Free unconditionally | Waived on annual spends of ₹2,50,000 or more | Lifetime Free unconditionally | Lifetime Free unconditionally | Waived on annual business spends of ₹1,00,000 or more | No spend waiver; minimal annual maintenance fee of ₹275 | Waived for account holders maintaining designated NRE/NRO deposit relationship |
Reward Rate | 3X FedPoints on travel and overseas retail with subsidized 2.0% forex markup | 0% Forex markup + up to 20% Scapia Coins on travel bookings | 5X Reward Points on your top 2 spending categories + low 1% forex | 10% cashback on first UPI transactions + rewards on daily QR scans | 3X points on electronics & apparel + Buy 1 Get 1 movie tickets | 5% value-back on all weekend spends + 20% off on Zomato, Zepto & Amazon | 3X points on groceries & healthcare + 2X on utility bills | 3% accelerated value-back across 20+ top lifestyle brands + 0% Forex | 3X points on travel & international with subsidized 2% forex markup | Build credit score with 0% Forex markup backed by a digital Fixed Deposit | Accelerated rewards on commercial utility, software, and vendor purchases | Direct integration with your business Overdraft / Cash Credit account limit | 3X points on groceries & healthcare in India + utility rewards |
Airport Lounge | 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) (Int: 2 complimentary international lounge visits per calendar year via Priority Pass) | Unlimited complimentary domestic airport lounge visits across India | Not available (Occasional promotional access depending on tier) | Not available | 4 complimentary domestic airport lounge visits per calendar year (1 per quarter) | Not available | 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) | 4 complimentary domestic airport lounge visits per calendar year (1 per quarter) | 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) (Int: 2 complimentary international lounge visits per calendar year via Priority Pass) | Not available | 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) | Not available | 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) |
Forex Markup | 2.00% + GST | 0.00% (Zero Forex Markup) | 1.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 0.00% (Zero Forex Markup) | 2.00% + GST | 0.00% (Zero Forex Markup) | 3.50% + GST | 3.50% + GST | 3.50% + GST |
Best Suited For | Non-Resident Indians visiting India regularly who want domestic lounge access and low forex charges. | Frequent domestic flyers, international vacationers, and overseas shoppers wanting 0% forex fees. | Mobile-first shoppers and credit newcomers wanting a sleek metal card with a low forex fee. | Everyday spenders who want a dedicated virtual credit card for routine UPI merchant QR payments. | First-time credit card applicants, young professionals, and shoppers wanting a reliable, fee-free daily driver. | Millennials and young professionals who concentrate their dining, movie, and grocery shopping on weekends. | Urban families spending regularly on supermarkets, medical stores, and monthly utility bills. | Urban digital consumers wanting an all-in-one lifestyle card covering daily apps with 0% forex markup. | Affluent executives and frequent vacationers wanting low forex fees and free airport lounges at zero annual cost. | College students, international students, and freelancers wanting a zero-forex card without income documents. | Small traders, contractors, and MSME owners managing routine office utilities and inventory expenses. | Traders, manufacturers, and small business owners needing direct card access to their bank overdraft limit. | NRIs providing secondary and household cards for family members living in India. |
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Zero Forex Scapia Travel Innovation, Celesta Luxury & Co-Branded Perks
Federal Bank is an agile private sector banking powerhouse celebrated for its ground-breaking co-branded partnerships. Most notable is the Scapia Federal Credit Card—which brought true 0% forex markup and travel coins with zero annual fee to Indian travelers—alongside flagship credit cards like Celesta, Imperio, and Signet offering domestic airport lounges, BookMyShow BOGO cinema offers, and golf privileges.
Up to 4% - 10% Return on Travel & Dining
Federal Rewards / Scapia CoinsComplimentary access
Domestic & Global AccessScan & Pay Active
Up to 50 days float0.00% (Scapia) to 3.50%
International TravelLifetime Free on Scapia; ₹50,000-₹3L spend waivers on core cards
Spend waiver milestoneThe ultimate travel companion: absolute zero (0.00%) foreign exchange markup on all international transactions, paired with lifetime free status.
International holidaymakers, digital nomads, and overseas online shoppers.
Unlock complimentary domestic airport lounge visits by meeting simple, achievable monthly card spending targets.
Budget-conscious frequent domestic travelers.
Enjoy weekend cinema outings with Buy 1 Get 1 Free movie tickets on BookMyShow across INOX, PVR, and Cinepolis theaters.
Movie fans and weekend family cinema-goers.
Enjoy complimentary green access and professional golf coaching sessions at premier golf clubs across India.
Golf lovers and corporate executives.
Link your Federal RuPay credit card to PhonePe, Google Pay, and Paytm to make instant QR code payments backed by credit float.
Everyday spenders who want UPI payment speed backed by interest-free credit.
Control your card effortlessly with the feature-rich FedMobile app: toggle international limits, lock card, and convert spends into EMIs.
Cardholders wanting hassle-free mobile servicing and robust fraud security.
Earn up to 10% Scapia Coins on travel; up to 3X Federal Rewards on domestic retail
1 Scapia Coin = ₹0.20 (1:1 instant flight/hotel redemption); ₹0.25 on Federal Rewards
Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.
Complimentary domestic airport lounge visits across India upon meeting simple monthly spend milestones on Scapia; quarterly visits on Celesta and Imperio.
Complimentary international airport lounge access via LoungeKey on the flagship Celesta credit card.
₹50,000 (Signet), ₹1,00,000 (Imperio), ₹3,00,000 (Celesta)
0% forex markup, lifetime free, 10% Scapia Coins on travel, spend-linked lounges
International LoungeKey, BookMyShow BOGO up to ₹250, complimentary golf
Domestic airport lounges, BOGO movie tickets, accelerated grocery points
RuPay UPI payments, 3X dining & entertainment points, 1% fuel waiver
Everything you need to know before applying for FEDERAL Bank credit cards in India.
Find out your credit limit, approval probability, and lifetime free eligibility with 100% paperless verification and zero score impact.
