Federal Bank credit cards: fees, rewards and eligibility compared
Truely Money lists 9 Federal Bank credit cards, including Imperio Credit Card, Signet Credit Card, Visa Celesta Credit Card, Wave Credit Card, Edge Credit Card, AmpliFi Fi-Federal Credit Card and 3 more.
Cards from the same bank can look alike but differ in what they reward. Compare each Federal Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.
The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.
Federal Bank credit cards and their terms
- Imperio Credit Card (Federal Bank): no joining fee · no annual fee · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 2% · income guide ₹3,00,000 a year · credit score 700+. A lifetime-free lifestyle credit card offering accelerated rewards on online shopping and a low 2% forex markup. Perks: Lifetime free credit card with zero joining and annual fees; 3X reward points on online shopping spends; 2X reward points on dining and weekend spends.
- Signet Credit Card (Federal Bank): no joining fee · no annual fee · base reward 0.5% of spend · forex markup 1.2% · income guide ₹3,00,000 a year · credit score 700+. A lifetime-free lifestyle credit card offering 3X rewards on online shopping and an ultra-low 1.2% forex markup. Perks: Lifetime free credit card with zero joining and annual fees; 3X reward points on online shopping and entertainment spends; Low foreign currency markup fee of 1.2%.
- Visa Celesta Credit Card (Federal Bank): no joining fee · no annual fee · base reward 1% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 2% · income guide ₹6,00,000 a year · credit score 750+. A lifetime-free rewards and travel credit card featuring 3X points on international/travel spends and a low 2% forex markup. Perks: Lifetime free credit card with zero joining and annual fees; 3X reward points on travel and international spends, and 2X reward points on dining; Low foreign currency markup fee of 2%.
- Wave Credit Card (Federal Bank): no joining fee · annual fee ₹199 · base reward 0.13% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 700+. A RuPay UPI-linked floater credit card offering bonus points on quarterly milestones and rewards on everyday UPI scans. Perks: RuPay network variant designed specifically to link with UPI apps for seamless QR code payments; 10% cashback on your first 5 UPI transactions (up to ₹200); 1,000 bonus reward points upon reaching ₹50,000 in spend per calendar quarter.
- Edge Credit Card (Federal Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,00,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 700+. An entry-level rewards credit card offering enhanced points on online purchases and an accessible annual fee waiver. Perks: Accelerated reward points on online retail and e-commerce shopping; Easy annual fee waiver on crossing ₹1,00,000 in yearly retail spends; Complimentary railway lounge access visits within India.
- AmpliFi Fi-Federal Credit Card (Federal Bank): joining fee ₹2,000 · annual fee ₹2,000, waived on ₹2,50,000 yearly spend · base reward 0.2% of spend · lounge visits per year: 4 domestic · income guide ₹6,00,000 a year · credit score 720+. A lifestyle co-branded credit card offering zero forex markup and 3% value-back on 20+ popular partner brands. Perks: 3% value-back on 20+ top partner brands (Amazon, Flipkart, Swiggy, Myntra, Uber, etc.) on monthly spends of ₹15,000 or more; Zero forex mark-up fee for international transactions; Complimentary domestic airport lounge access (spend-based).
- Federal Bank Celesta Credit Card: no joining fee · no annual fee · base reward 0.25% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 2%. A lifetime-free travel and lifestyle credit card featuring accelerated rewards on travel and dining, a low 2% forex markup, and complimentary airport lounge access. Perks: Lifetime free card with zero joining and annual fees; 3X Reward Points on travel and international spends, and 2X on dining; Complimentary international lounge access (2 visits per year).
- Scapia Federal Bank Credit Card: no joining fee · no annual fee · base reward 2% of spend · lounge visits per year: 12 domestic · income guide ₹5,00,000 a year · credit score 700+. A lifetime-free travel credit card featuring zero forex markup, 2% base rewards, and 4% back on travel bookings via the Scapia app. Perks: Lifetime free card with zero joining and annual fees; Zero forex markup fee on international transactions; Unlimited domestic airport lounge access upon spending ₹20,000 in the preceding month.
- Federal Bank Secured Credit Card: no joining fee · no annual fee · base reward 0.13% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. An accessible, lifetime-free secured card that builds credit history against a fixed deposit without requiring income proofs. Perks: Lifetime free credit card with zero joining or annual fees; Buy 1 Get 1 free on INOX movie tickets once a quarter; Complimentary domestic lounge access (conditional).
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