Federal Bank
Federal Bank credit cards compared: 12 cards, 8 open to apply, with fees, earn rates, lounges and recent changes from Federal's own documents.
Open to apply
- Fed StarBiz Credit Card (₹275 + GST a year)
- Federal Bank Celesta Credit Card (Lifetime free)
- Federal Bank Imperio Credit Card (Lifetime free)
- Federal Bank Paisabazaar Paisaback Credit Card (₹500 + GST a year)
- Federal Bank RuPay Wave Credit Card (₹199 + GST a year)
- Federal Bank Secured Credit Card (against a fixed deposit) (Fees not entered yet)
- Federal Bank Signet Credit Card (Lifetime free)
- Scapia Federal Credit Card (Lifetime free)
Closed to new applicants or discontinued
- Edge Federal Bank Visa Credit Card (Jupiter) (₹999 + GST a year)
- Federal Bank One Co-Branded Credit Card (Lifetime free)
- Federal Fi Co-branded Credit Cards (AmpliFi, SimpliFi, MagniFi) (₹2,000 + GST a year)
- Secured Federal Bank One Co-Branded Credit Card (OneCard, against a fixed deposit) (Lifetime free)
Changes to the bank's own terms
- 10 Jan 2026: The dynamic APR on Signet, Imperio, Celesta and Wave, set by the average monthly balance in the cardholder's Federal operative account, cut from four bands to two. Customers with an average balance from ₹50,000 to ₹3,00,000 now pay 45%, and those above ₹3,00,000 pay 23.88%; customers below ₹50,000 or with no operative account pay 45% as before.
- 20 Aug 2024: Late payment charges on Signet, Imperio, Celesta and Wave revised to slabs keyed to the Total Amount Due, from nil up to ₹250 to ₹1,250 above ₹25,000.
- 1 May 2024: A 1% fee on wallet loads.
- 1 Apr 2023: A 1% fee on rent payments, and rent payments stopped earning reward points.
Sources
- Federal Bank Most Important Terms and Conditions, credit cards (Signet, Imperio, Celesta, Wave; page last updated 2026-07-31) (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Charges applicable for Federal Bank credit cards, w.e.f. 2026-04-01 (Schedule of charges, the bank's own, read 20 Oct 2026)
- Charges applicable for Federal Bank credit cards (Signet, Imperio, Celesta, Wave), archived 22 June 2024 (Schedule of charges, the bank's own, read 22 Oct 2026)
- Revised Credit Card Charges (APR revision w.e.f. 2026-01-10; page last updated 2026-04-12) (Bank notice, the bank's own, read 20 Oct 2026)