All cards / Federal Bank
Federal Bank Signet
Lifetime-free (since April 2023) with modest electronics/apparel and entertainment reward multipliers — a reasonable no-cost card rather than a strong travel or dining pick.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Mid
Reward rates by category
- Online shopping0.75%
- Dining0.5%
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1 complimentary domestic lounge visit/quarter (min. ₹20,000 spend in preceding quarter)
- ₹200 Amazon Pay e-voucher on ₹3,000 spend within 30 days
- Personal accident insurance cover ₹2 lakh
- 1% fuel surcharge waiver
Pros
- + Lifetime free
- + Personal accident insurance included
- + Quarterly lounge access at low spend threshold
Cons
- − Very low reward rates across all categories
- − Smaller acceptance/service network than larger banks
Applying takes you to Federal Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.