Federal Bank
Signet Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Enjoy 1 Complimentary Domestic Airport Lounge
Visit Every Quarter by spending ₹20,000 or more in the immediately preceding quarterly spend cycle
Earn 3X Reward Points on Electronics & Apparel Spends
Under the card’s 3-2-1 rewards structure 3X on Electronics & Apparel, 2X on Entertainment and 1X on all other categories
Best For
Shopping
Online Food Ordering
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free credit card with a 3-2-1 rewards structure 3X on Electronics & Apparel, 2X on Entertainment, 1X on all other spends
- ₹200 Amazon Pay e-Voucher on ₹3,000 spend within the first 30 days
- 1 complimentary domestic airport lounge visit per quarter on ₹20,000 quarterly spend
- Buy One Get One on INOX movie tickets once a quarter; a complimentary Swiggy voucher on ₹20,000 quarterly spend
- Visa Deals & Offers across travel, food and dining, shopping, sports, entertainment and lifestyle
Milestone Benefits
Voucher Benefit(Worth ~ ₹600)
Spend ₹20,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward point = ₹0.25
Redemption Options
- Merchandies
- Movie Tickets
- Air & Bus Ticket
- Gift vouchers
- Mobile Recharge
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
E-Wallet Loading
Government Transactions
Financial Institutions
Quasi Cash
Rent
For Spends Waiver
Fuel
E-Wallet Loading
Government Transactions
Financial Institutions
Quasi Cash
Rent
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 1.99% to 3.75% per month 23.88% to 45% per annum, based on your average monthly balance / banking relationship, apply on unpaid outstanding balances until the amount is fully repaid | 1.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption request | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is levied when the credit card outstanding is paid in cash over the Branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹0 |
| ₹251 - ₹1000 | ₹250 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹25000 | ₹ 1000 |
| Above ₹25000 | ₹1250 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 1 Complimentary Domestic Airport Lounge
Visit Every Quarter by spending ₹20,000 or more in the immediately preceding quarterly spend cycle
Earn 3X Reward Points on Electronics & Apparel Spends
Under the card’s 3-2-1 rewards structure 3X on Electronics & Apparel, 2X on Entertainment and 1X on all other categories
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