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Federal Bank RuPay Select Credit Card
RuPay
Federal Bank RuPay Select Credit Card
Federal Bank's standard RuPay Select card, positioned below its Celesta, Imperio, and Signet metal cards but above its basic RuPay tiers, for everyday domestic spenders wanting occasional lounge access.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
1.5% reward rate
- 🛒 Groceries
1.5% reward rate
- ✈️ Travel
2 complimentary domestic lounge visits per year via the RuPay Select programme
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 2 complimentary domestic lounge visits per year via the RuPay Select programme
Pros
- + Domestic lounge access
- + Decent rewards on dining and groceries
- + Sits at a more accessible fee point than Federal's premium Celesta/Imperio cards
Cons
- − Far fewer benefits than Federal's premium metal cards
- − RuPay-only acceptance abroad
- − No milestone or welcome bonuses