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Federal Bank

Federal Bank Visa Signet

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Annual Fee

Free

Reward Type

Points

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹25,000

Rewards

Reward TypePoints
Base Rate0.25%
Point Value₹0.25/point

Category Multipliers

electronics0.75%

Redemption Values

statement credit₹0.25/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa
Lounge Spend Req.₹5,000 Quarterly

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💡 Fee Waiver Strategy

Card is Lifetime Free.

✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸Great entry-level LTF card to build credit history.
  • ▸Use during Federal Bank specific sales on Amazon/Flipkart.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹750

Effective Rate

0.1%

Ranked #153 of 173 cards#153

📊 Spending Scenarios - Real-World Returns

Basic Spender (₹10k/mo)

Monthly: ₹10,000 · Annual: ₹1,20,000

0.5%
Effective Return
other: ₹5,000/moelectronics: ₹5,000/mo
Annual Rewards Value₹600

3x points on electronics.

🔄 Redemption Pathways - Value per Point

MethodValue
Statement CreditBEST₹0.25/pt

🏷️ Best For

shopping