Federal Bank Lifetime Free Credit Card: Features, Eligibility & More

Bio

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

2 Dec 25
6 mins

Saurabh Agrawal

08 Mins
02-12-25

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Table of Contents

Top 4 Federal Bank Lifetime Free Credit Cards to Choose in 2025
What Are the Basic Eligibility Criteria to Get Federal Bank Lifetime Free Credit Cards?
Conclusion

Key Takeaways

Federal Bank offers lifetime free credit cards with no annual fee.
Eligibility criteria include age and good credit history.
These cards are available for both residents and NRIs.
PAN card, Aadhaar card and 3 months’ bank statement are required during the application process.
These cards are considered non-transferable, bank property and not valid for Bhutan/Nepal foreign currency payments.

Are you a frequent traveller, movie buff or someone looking for valuable rewards? Federal Bank’s Lifetime Free Credit Cards could be your perfect companion.

With no annual fees and exciting features like lounge access, fuel waivers and exclusive shopping benefits, these cards offer unmatched value.

Dive in to discover more about the Federal Bank lifetime free credit card!

Top 4 Federal Bank Lifetime Free Credit Cards to Choose in 2025

Federal Bank Scapia Credit Card

Federal Bank partnered with Scapia Technologies to launch this co-branded credit card.

This credit card is ideal for travel enthusiasts and offers a lot of attractive rewards for travel-related spending.

Features:

Get unlimited domestic lounge access, spa and shopping rewards, upon spending ₹15,000 on Rupay or ₹10,000 on VISA per month.
Get up to 10% rewards on every applicable online and offline spend.
For each reward that you earn for spending, you get 1 Scapia coin. You can use these for instant redemption on hotels, flights and bus bookings.

Note: 5 Scapia coins equate to ₹1.

Federal Celesta Credit Card

In the case of Celesta, the Federal Bank lifetime free credit card benefits cater to lifestyle, entertainment and travel needs.

It comes with a competitive Annual Percentage Rate (APR) starting at 0.69% per month (8.28% per annum).

Features:

Benefit from 1% fuel surcharge waiver at all fuel stations across India.
Get Buy One Get One offers on booking INOX movie tickets once per month.
Get a digital Amazon voucher worth ₹600 on making a minimum spend of ₹10,000 within the first 30 days.
Upon making purchases of ₹60,000 or more in a single quarter, enjoy 2 domestic lounge visits for the next quarter.
This credit card provides 2 international lounge accesses in a year.

Suggested to read: Federal Bank Credit Card Lounge Access

Federal Bank Signet Credit Card

If you check the Federal Bank lifetime free credit card review, you will see that the Signet credit card is ideal for people who prioritise spending on shopping, clothing and entertainment.

Features:

On spending ₹20,000 or more in a single quarter, you get 1 domestic lounge access, which is complimentary in the next quarter.
Get complimentary Swiggy vouchers on a minimum spend of ₹20,000 in a single quarter.
Get a ₹200 Amazon voucher as a welcome benefit on making a minimum spend of ₹3000 within the first 30 days of availing the card.

Federal Bank Imperio Credit Card

This supplementary Federal bank lifetime free credit card is more suited for individuals who are students or have just got their first job.

Features:

Get a digital Amazon voucher worth ₹400 by doing a minimum spend of ₹5,000 within the first 30 days.
Avail a Buy One Get One offer on tickets at INOX every quarter.
This credit card offers a 1% fuel surcharge waiver across all fuel stations across India.
Get complimentary Big Basket vouchers on spending of ₹50,000 (in a quarter).

Explore Other Banks’ Lifetime Free Credit Card Offers

Union Bank Lifetime Free Credit Card

Indian Bank Lifetime Free Credit Card

Axis Lifetime Free Credit Card

What Are the Basic Eligibility Criteria to Get Federal Bank Lifetime Free Credit Cards?

Age: An applicant should be at least 21 years old to get a Federal Bank lifetime free credit card.
Nationality: These credit cards are available for both Indian residents and NRIs (Non-Residents of India).
Credit History: Having a good credit history also increases the chances of a successful credit card application.

Pay and manage your Federal Bank credit card bill all in one place, with Pice. Download the app now!

Terms and Conditions Associated with Federal Bank Lifetime Credit Cards

While opting for a Federal Bank lifetime free credit card, these rules apply mandatorily to applicants. They are governed by the Reserve Bank of India:

The card is not transferable and needs to be safeguarded from any misuse by keeping it retained under personal custody or control.
Credit cards are part of the property of a bank and need to be surrendered or produced to the bank without delay when demanded.
The Federal Bank credit cards cannot be used for making payments in the foreign currencies of Bhutan or Nepal.

There are other terms and conditions which are applicable. If you want to get the full list, visit the official site of Federal Bank to get more details.

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Conclusion

The Federal Bank lifetime free credit card combines exceptional perks with ease of access, offering you a world of rewards. From international lounge visits to cashback on everyday purchases, there is a card for everyone. Apply now and start enjoying the benefits today!

If you are an existing user, link your Federal Bank card in the Pice app for seamless payments and smart benefit tracking!

FAQs

What is the credit limit of Federal Bank Lifetime Free credit cards?

The maximum credit limit actually varies based on the type of card. The credit limit is selected by the Federal Bank after assessing your application.

Which documents are required when applying for a Federal Bank credit card?

When applying for a Federal Bank credit card, you will need to provide a few important documents. These include PAN Card, Aadhaar Card and a PDF of the bank statement for the prior three months.

How to apply for a Federal Bank Lifetime free credit card online?

You can apply for a Federal credit card online by following these steps:
First, head over to their official site.
Scroll down and you will notice the button for applying for a credit card. There will also be a button marked as 'Know More'. Click on that.
Next, you will get a wide selection of credit cards.
If it is your preferred credit card option, click on 'Apply Online'.

Can I withdraw cash by using a Federal Bank credit card?

You can withdraw cash by using your Federal credit card through both international and domestic ATMs. However, the bank will charge you an advance fee according to the transaction amount you withdraw.