Federal Bank RuPay Signet Credit Card

The following are the key details of the Federal Bank Signet RuPay Credit Card:

Welcome Gift

• Amazon Pay e-Voucher worth Rs. 200. 
• Valid on a minimum spend of Rs. 3,000 in the first 30 days of card issuance.

Movie Offer

• Buy One Get One (BOGO) on INOX movie tickets. 
• Offer valid once a quarter.

Swiggy Offer

• Complimentary Swiggy vouchers on quarterly spend of Rs. 20,000.

Link to UPI

• Link your RuPay Signet Credit Card to a UPI ID to directly enable safe and secure payment transactions.

3-2-1 Rewards Structure

• Get 3x rewards on spends for electronics and apparel categories.
• Get 2x rewards on the entertainment category. 
• Get 1x rewards for other categories.

Complimentary Lounge Access 

• Spend Rs. 20,000 or more in a quarter to get 1 domestic airport lounge access in the next quarter.

Personal Accident Insurance Cover

• Get a Personal Accident Insurance cover of Rs. 2 Lakhs. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India.
• Applicable on spends between Rs. 400 to Rs. 5,000.
• Maximum waiver of up to Rs. 150 per month.

Other Benefits

• 24*7 concierge services
• Get access to a wide variety of Rupay offers and deals on travel, food and dining, shopping, sports, entertainment, lifestyle, etc.
• Lowest Dynamic Annual Percentage Rate (APR) starting from 5.88% p.a.

Lifetime Free Credit Card

• No membership fee and no joining fee.
• It is a limited-period offer w.e.f 3rd April 2023.

• Joining fee: Nil.
• Annual fee: Nil.
• Annual Percentage Rate (APR): Starting from 0.69% p.m. (8.28% p.a.).
• Foreign currency transactions: 3.5%.
• Card replacement fee: Rs. 200 + applicable taxes for card reissue/ replacement.
• Reward redemption charges: Minimum Rs. 99 per redemption request.
• Additional card fee: Rs. 100 per card (maximum 4 cards).
• Cash advance charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Cash payment fee: Rs. 100.
• Dynamic conversion fee: 3.5%.
• Late payment charges: Up to Rs. 1,250.
• Cheque returns/ dishonour/ auto-debit reversal charges: 2% of the payment amount (minimum Rs. 450).
• Rent payment charges: 1% of the total transaction amount on rental transactions + applicable taxes.
• Credit card loan processing pre-closure charges: Up to 3% + GST.
• Outstation cheque processing charges: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for cheque value above Rs. 5,000.
• TDS on withdrawals above Rs. 1 Crore: 2% to 5%.
• Wallet loading charges: 1% of the transaction amount + applicable taxes.

• Age: The applicant must be a minimum of 18 years of age when applying for a Secured Federal Credit Card and 21 years when applying for an Unsecured Federal Credit Card. 
• Nationality: While applying for the card in India, you need to be an Indian resident or a Non-resident Indian (NRI).
• Credit history: A good credit history helps you get a credit card easily.

Some of the documents required to apply for a Federal Bank credit card online are listed below:

• PAN
• Aadhar Card
• Last 3 months’ bank statement (PDF format) of salary crediting bank account (for salaried)
• Income Tax Login Credentials (for non-salaried/ self-employed clients)

• To apply for a Federal Bank RuPay Credit Card online, visit Federal Bank’s credit card onboarding platform. 
• Click on "Apply Now".
• Fill in the required details. 
• Submit your application.
• You will receive updates via emails and messages. 
• You can also apply offline from any Federal Bank branch.