Federal Bank Secured Credit Card (against a fixed deposit)
Federal Bank · Open to apply
A Federal credit card issued against the holder's own Federal fixed deposit: the limit is 80% of the deposit (minimum ₹20,000, maximum ₹10 lakh) and the deposit is lien-marked and auto-renewed while the card lasts. For residents aged 18 to 80 with a savings account, a deposit of at least ₹25,000 for at least 6 months. Its fees and reward rate are not published separately; Federal does not say which of its card variants it is.
- Annual fee
- Fees not entered yet
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 6 Nov 2026
Where the sources disagree
- who can apply: Federal's FAQ and card terms describe the secured card as available to customers who place a fixed deposit and apply. The secured card offer T&C (limited period) say only customers who received offer-specific communication can apply. We list it as open.
- minimum fixed deposit tenure: The FAQ and offer T&C say a minimum tenure of 6 months; the card terms state only a minimum deposit of ₹25,000 and that the deposit is auto-renewed.
Terms the calculator does not value
- Fees, reward rates, caps, exclusions, forex markup and lounge terms of the secured card are not published separately and Federal does not say which variant (Signet, Imperio or Celesta) it is, so none are entered and the card's value cannot be modelled. Only its identity and its secured-card terms (deposit, limit, lien) are recorded.
- The fixed deposit earns Federal's deposit interest while it secures the card; that interest is not part of the card's value.
Sources
- Federal Bank Credit Card FAQ (page last updated 2026-06-14), secured credit cards section (FAQ, the bank's own, read 20 Oct 2026)
- Federal Bank Credit Cards Terms and Conditions, Secured Credit Card Terms (page last updated 2026-04-11) (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Terms and Conditions: Federal Bank Secured Credit Card (offer terms, page last updated 2026-06-14) (Bank notice, the bank's own, read 20 Oct 2026)
- Federal Bank Credit Card Against FD (Policybazaar) (Third-party site, read 20 Oct 2026)
- Federal Bank Most Important Terms and Conditions, credit cards (page last updated 2026-07-31) (Most important terms (MITC), the bank's own, read 20 Oct 2026)