{"id":86426,"date":"2026-04-15T18:20:04","date_gmt":"2026-04-15T12:50:04","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86426"},"modified":"2026-04-15T18:21:09","modified_gmt":"2026-04-15T12:51:09","slug":"federal-bank-visa-signet-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/federal-bank-visa-signet-credit-card\/","title":{"rendered":"Earn Rewards with Ease with the Federal Bank VISA Signet Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 3X rewards on expenses on electronics and apparel.<\/li>\n\n\n\n<li>Get a \u20b9200 Amazon voucher on spending \u20b93,000.<\/li>\n\n\n\n<li>Enjoy complimentary lounge access on spending \u20b920,000 quarterly.<\/li>\n\n\n\n<li>Get \u20b9100 off on your 2nd INOX ticket every quarter.<\/li>\n\n\n\n<li>Add up to 4 add-on cards at \u20b9100 each for the family.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Federal Bank VISA Signet Credit Card is designed to match modern spending needs with flexible rewards. It comes with a lifetime free offer for a limited period, while the usual joining and annual fee is \u20b9750.<\/p>\n\n\n\n<p>Cardholders earn 3X rewards on electronics and apparel, 2X rewards on entertainment and 1X on all other spends. You can also add up to 4 add-on cards for family use.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#federal-bank-visa-signet-credit-card-benefits\">Federal Bank VISA Signet Credit Card Benefits<\/a><\/li><li><a href=\"#federal-bank-visa-signet-credit-card-lounge-access-cycle\">Federal Bank VISA Signet Credit Card Lounge Access Cycle<\/a><\/li><li><a href=\"#federal-bank-visa-signet-credit-card-charges\">Federal Bank VISA Signet Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"federal-bank-visa-signet-credit-card-benefits\"><strong>Federal Bank VISA Signet Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits-1024x768.png\" alt=\"Federal Bank VISA Signet Credit Card Benefits\" class=\"wp-image-86427\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Federal-Bank-Visa-Signet-Benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The Signet VISA Credit Card welcomes you with an Amazon Pay e-voucher worth \u20b9200 when you spend \u20b93,000 within the first 30 days of card usage.<\/p>\n\n\n\n<p>Curious to know what other key perks the Federal Bank VISA Signet Credit Card offers?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lounge Access:<\/strong> Spend \u20b920,000 in a quarter to enjoy 1 complimentary domestic lounge visit in the next quarter.<\/li>\n\n\n\n<li><strong>Movie Offer:<\/strong> Enjoy BOGO on INOX tickets once a quarter. Get \u20b9100 off on the second movie ticket purchase.<\/li>\n\n\n\n<li><strong>Swiggy Vouchers:<\/strong> Receive complimentary Swiggy vouchers when you spend \u20b920,000 in a quarter using your credit card.<\/li>\n\n\n\n<li><strong>Visa Offers:<\/strong> Access exclusive Visa deals across travel, dining, shopping, entertainment, and lifestyle for added savings and benefits.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"federal-bank-visa-signet-credit-card-lounge-access-cycle\"><strong>Federal Bank VISA Signet Credit Card Lounge Access Cycle<\/strong><\/h2>\n\n\n\n<p>To avail lounge access on the VISA Signet Credit Card, meet the spend requirement in one cycle to unlock complimentary access in the following quarter, as outlined below.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Quarterly Spend Cycle<\/strong><\/td><td><strong>Complimentary Lounge Access Availability<\/strong><\/td><\/tr><tr><td>21st September &#8211; 20th December<\/td><td>1st January &#8211; 31st March<\/td><\/tr><tr><td>21st December &#8211; 20th March<\/td><td>1st April &#8211; 30th June<\/td><\/tr><tr><td>21st March &#8211; 20th June<\/td><td>1st July &#8211; 30th September<\/td><\/tr><tr><td>21st June &#8211; 20th September<\/td><td>1st October &#8211; 31st December<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"federal-bank-visa-signet-credit-card-charges\"><strong>Federal Bank VISA Signet Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.federal.bank.in\/credit-cards-mitc\" target=\"_blank\" rel=\"noopener\">Federal Bank Signet Card charges<\/a> an APR starting from 1.99% monthly (23.88% annually) for higher balance ranges above \u20b93,00,001. For balances below \u20b93,00,000, the rate is 3.75% monthly (45% annually). These rates have been applicable from 10th January, 2026.<\/p>\n\n\n\n<p>Here is a list of other important charges you should know:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Fee for Cash Payment<\/td><td>\u20b9100<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9500<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9450<\/td><\/tr><tr><td>Rewards Redemption Fee<\/td><td>\u20b999<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3.5%<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9200<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Till \u20b9250: NIL\u20b9251 &#8211; \u20b91,000: \u20b9250\u20b91,001 &#8211; \u20b95,000: \u20b9500\u20b95,001 &#8211; \u20b925,000: \u20b91,000Above \u20b925,000: \u20b91,250<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Stay on top of your payments and make the most of the 48-day interest-free period on your VISA Signet Credit Card.<\/p>\n\n\n\n<p>\ud83d\udca1Forget your worries about late payment charges by using <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> to get monthly bill payment reminders. Also, make credit card bill payments and track their status through the platform. Download the Pice App today!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The Federal Bank Signet Credit Card is also available on Mastercard and RuPay networks for wider usability.<\/li>\n\n\n\n<li>Each reward point equals \u20b90.25 and stays valid for 36 months, while partner reward points remain valid for 12 months.<\/li>\n\n\n\n<li>Get an instant digital card after approval, while the physical card is delivered within 2\u20135 business days.<\/li>\n\n\n\n<li>Cash advance limit for the Federal Bank Signet Credit Card is set at 10% of your total credit limit.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776257071662\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the fee waiver conditions on the VISA Signet card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The card is currently lifetime free, but the standard joining fee can be waived on spending \u20b910,000 in 3 months. To waive the Federal Bank VISA Signet Credit Card annual fee, you must spend \u20b975,000 yearly.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776257101865\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the basic eligibility for the Signet VISA card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The Federal Bank VISA Signet Credit Card eligibility requires age 21+ for unsecured cards or 18+ for secured cards. Applicants must be Indian residents or NRIs with a good credit history, preferably 700+.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776257127981\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the Federal Bank secured credit card requirements?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Maintain a minimum FD of \u20b925,000 for at least 6 months. You can get up to 80% of the FD value as a limit, capped at \u20b910 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776257150195\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How are billing and payment cycles managed?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Statements are sent monthly when dues exceed \u20b9200. The payment due date is up to 18 days from the billing date.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776257166834\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I contact customer support?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Call 1800-425-1199 or 1800-420-1199 within India. From abroad, dial 0484-2630994, 0484-2630995, or 080-61991199 for 24\/7 support.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Federal Bank VISA Signet Credit Card is designed to match modern spending needs with flexible rewards. It comes with a lifetime free offer for a limited period, while the usual joining and annual fee is \u20b9750. Cardholders earn 3X rewards on electronics and apparel, 2X rewards on entertainment and 1X on all [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86439,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86426"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86426\/revisions"}],"predecessor-version":[{"id":86440,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86426\/revisions\/86440"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86439"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}