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Federal Bank (Fi Money)
Fi Federal Simplify Credit Card
RuPay
Fi Federal Simplify Credit Card
Fi Money, the neobank built on a Federal Bank savings account, offers this no-fee RuPay credit card mainly for existing Fi app users who want a unified view of savings, investments and credit spend in one place, rather than as a standalone rewards-maximizing product.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛍️ Shopping
2% reward rate
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Rewards and spend tracking managed inside the Fi Money neobank app, alongside its savings account and investment features
- RuPay credit-on-UPI enabled for scan-and-pay use
Pros
- + No joining or annual fees
- + RuPay credit-on-UPI support for everyday scan-and-pay
- + Unified money-management view alongside Fi's savings account and investing features
Cons
- − Cashback rate is modest and category coverage narrow
- − No lounge access, travel or insurance benefits
- − Best value only realized by existing Fi Money app users
Best for