Federal Bank Credit Card Changes
Fees, rewards and benefits the banks changed on the cards we list, with the source for each. Updated twice a day.
- 14Changes
- 4Cards
- 3Reduced
Get an email when Federal Bank cards change
Only when a bank changes fees, rewards or benefits. At most once a day, and every email has a one-click stop link.
September 2026
Changed3 Sept 2026
Axis Bank becomes a third issuer, on Mastercard and RuPay
Bank's notice ↗
February 2026
Reduced27 Feb 2026
Insurance and utility spends dropped from earning
Bank's notice ↗Reduced27 Feb 2026
Lounge spend gate doubled to ₹20,000/month
Bank's notice ↗Before₹10,000/monthNow₹20,000/month
January 2026
Changed10 Jan 2026
Finance charge repriced to an Average-Monthly-Balance-linked rate
Bank's notice ↗BeforeFlat slab APR by revolving balanceNowAMB-linked: 45% p.a. with no Federal AMB, down to lower tiers as balance rises
Changed10 Jan 2026
Interest rate repriced to an Average-Monthly-Balance-linked scale
Bank's notice ↗BeforeFlat card APRNowAMB-linked: 45% p.a. under ₹50,000 balance down to 8.28% p.a. above ₹10,00,000
June 2025
Changed12 Jun 2025
RuPay UPI dual-network variant added
Bank's notice ↗
September 2024
Reduced7 Sept 2024
Fair-usage caps and category exclusions added
April 2023
Changed3 Apr 2023
Celesta becomes Lifetime Free for new applicants
Bank's notice ↗Before₹3,000 joining + ₹3,000 annualNow₹0, no joining fee, no annual fee
Changed3 Apr 2023
Card becomes Lifetime Free for new applicants
Bank's notice ↗Before₹1,500 joining and ₹1,500 annual feeNow₹0, no joining fee, no membership fee
Changed3 Apr 2023
Signet becomes Lifetime Free for new applicants
Before₹750 joining + ₹750 annual membership feeNow₹0, no joining fee, no annual fee
September 2021
Changed27 Sept 2021
RuPay rail added, Signet becomes a three-network card
BeforeVisa (and Mastercard) onlyNowVisa, Mastercard and RuPay, the RuPay variant is UPI-linkableChanged3 Sept 2021
Federal Bank launches the Signet as part of its first own-brand card range
BeforeNot offeredNowSignet launched on Visa as Federal Bank's entry-tier own-brand card
Changed3 Sept 2021
Federal Bank launches the Visa Celesta credit card
Changed3 Sept 2021
Federal Bank launches the Imperio, its own-brand Visa card
BeforeNot offeredNow1 Reward Point per ₹150; joining + annual fee ₹1,500
Showing 14 of 14
Change data from CardAdvisor, checked against each bank's notice where one is linked. A card's page always shows its current terms. How we check facts. The yearly report, by bank and month.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
