A Comprehensive Guide to the Federal Bank Credit Cards

Imagine owning a credit card packed with exciting privileges like INOX movie ticket offers, fuel surcharge waivers, a bespoke rewards program, and complimentary lounge access. With Federal Bank, you can get all these privileges in one place! Some select cards offer additional benefits, such as personal accident insurance and the option to link a floater card to your existing one.

So, here is a detailed look at the top 6 Federal Bank credit cards to choose from in 2025.

List of 6 Federal Bank Credit Cards to Choose in 2025

1. Visa Celesta Credit Card

Features:

• Gain exposure to a myriad of exciting Visa offers and deals on diverse categories such as travel, entertainment, food, sports, lifestyle and much more.
• Enjoy BOGO Offers (Buy One Get One) when buying movie tickets at INOX, valid once a month.
• Get 1% fuel surcharge waiver when purchasing fuel from any station across the country.

For frequent shoppers at Amazon, the Federal Bank Visa Celesta Credit Card is the perfect pick. You receive an Amazon Pay e-Voucher worth ₹600 as a welcome benefit, on a minimum transaction of ₹10,000 within the first 30 days.

2. Visa Imperio Credit Card

Features:

• Earn up to 3x rewards on expenses in the health and grocery categories, 2x points on expenses in utility categories (such as electric, gas and mobile bill payments) and 1x rewards on costs for other categories.
• Get 2 domestic free lounge access if you spend more than ₹40,000 in a quarter to avail the facility in the next quarter.
• Receive an Amazon Pay e-Voucher worth ₹400 if you spend ₹5,000 in the first 30 days.

From complimentary Big Basket vouchers to the customised 3-2-1 structure for reward points, this credit card is ideal for customers seeking a credit card to swipe for everyday expenses.

3. Visa Signet Credit Card

Features:

• Earn 3x rewards on spends in electronics and clothing categories, 2x on spends in entertainment and 1x on all other categories.
• Enjoy 1 domestic complimentary lounge access for spending more than ₹20,000 in a quarter to enjoy in the next quarter.
• Get an Amazon Pay e-Voucher of ₹200 as a welcome benefit for a minimum spending of ₹3,000 within the first 30 days.

If you’re a foodie, this Federal Bank credit card is made just for you. It offers the chance to enjoy complimentary Swiggy vouchers on a quarterly spend of ₹20,000. With every swipe, you not only relish great food but also unlock an exclusive dining experience.

4. Mastercard Celesta Credit Card

Features:

• Get a chance to participate in the Federal Bank Mastercard Shop Perks program and receive rewarding cashback benefits across popular brands.
• Enjoy the INOX movie ticket offer (up to ₹100 off) once a month.
• Avail reduced forex mark-up charges of 2% on international transactions.

From attractive cashback offers to BOGO offers by INOX, Mastercard Celesta Credit Card benefits cater to lifestyle, entertainment and travel needs. It comes with the lowest dynamic Annual Percentage Rate (APR) of 0.69% p.m. to 3.49% p.m.

5. Rupay Signet Credit Card

Features:

• Avail exclusive RuPay offers spanning travel, dining, shopping, sports, entertainment, lifestyle, and many other exciting categories.
• Avail personal accident insurance coverage of ₹2 Lakh and exceptional concierge services 24*7.
• Get the chance to link this card to a UPI ID and enjoy safe and secure payment transactions from now on.

If you go through the Federal Bank credit card review, you will see that the Rupay Signet credit card is ideal for customers who prioritise receiving insurance coverage and concierge services.

6. Rupay Wave Credit Card

Features:

• Unlock up to 10% cashback offers on your first 5 transactions through UPI apps within 30 days of receiving your card.
• Get milestone benefits (1000 bonus points) if you make transactions of ₹50,000 in one quarter, and get a chance to increase your points balance quickly and easily.
• Earn 1 reward point with every ₹200 spent through this credit card and redeem your points to enjoy exciting benefits.

This card is a perfect pick for cardholders who want an additional credit card with their existing one. The Federal RuPay Wave Credit Card is a floater card linked to your primary card. It shares the same credit limit.

How to Apply for a Federal Bank Credit Card Online?

Here are the steps to a successful Federal Bank credit card application process:

Step 1: Go to the official Federal Bank website. 

Step 2: Click on Personal> Products> Cards> Credit Cards

Step 3: Select the card you want to avail and review its features carefully.

Step 4: Hit the ‘'Apply Now' button for the selected credit card.

Step 5: An online application form will open on your screen. Enter all the necessary details.

Step 6: Upload required documents such as identity proof, income proof, etc.

Step 7: Double-check your application form to ensure that all details you have entered are accurate.

Step 8: To complete the application process, click the 'Submit' button.

Step 9: Once you submit it, the bank will notify you by sending a confirmation email or message. (The bank may ask you for a KYC verification before approving your application if you are a new bank customer.)

Step 10: Once you get approval, you’ll instantly receive a virtual credit card in the FedMobile app, while the physical card will be delivered to you within a few days.

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Eligibility Criteria for Acquiring Federal Bank Credit Cards

To apply for any of the above-mentioned credit cards offered by Federal Bank, you need to meet the following criteria:

• Age: A minimum age of 18 years is required for a Secured Federal Credit Card, while a minimum of 21 years is necessary for an Unsecured Federal Credit Card.
• Nationality: Indian residents and NRIs (Non-Resident Indians), both can apply for these cards.
• Credit History: Applicants must have a strong credit history to increase the chances of a card approval. 

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Important Terms and Conditions Associated with Federal Bank Credit Cards

It is essential to be aware of the Federal Bank’s MITC (Most Important Terms & Conditions) while applying for credit cards to avoid any discrepancies. 

• Whether it is Signet, Imperio, Celesta or Wave Card, every card comes with up to a 48-day interest-free period.
• The cash advance limit varies significantly depending on which credit card variant you choose. For Signet cards, the limit is 10%, for Imperio, 20%; and for Celesta, 25%. 
• While you can use these cards both in India and abroad, you can not make any transactions in countries like Nepal and Bhutan.
• You need to inform the bank by submitting a written application within 7 days if you identify any discrepancies in the transactions or balance details provided in the statement or records.
• You cannot use these cards for transactions, directly or indirectly, for Overseas Forex Trading via online trading portals. This is strictly prohibited.

You can easily go through the full MITC of Federal Bank on their website for detailed clarity. 

Conclusion

In 2025, having a Federal Bank credit card in your wallet means enjoying plenty of reward points with a personalised structure and rewarding lifestyle perks that every cardholder dreams of. Whether you are a movie buff, a frequent traveller or someone looking for insurance coverage,  there is a card for everyone. So, hit the ‘Apply’ button, unlock the benefits, and make your life more convenient!

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