Offer Fulfilled! Fastest Way to Get a Federal Bank Core Credit Card – No Verification, VKYC, or Pre-Approved Offers Needed!

[Anindya98]

Federal Bank is aggressively issuing core credit cards, making them easier to get with decent limits. However, getting a limit enhancement (LE) is tough and takes time.

I started my journey with Federal in Nov 2021 with a Fi Account, later adding Jupiter in Jan 2022. I used Fi actively until July 2023 before switching to IDFC. After that, Fi became a secondary account. Jupiter is also active.

Seeing SnowLucifer's post, I considered applying, but my Scapia card application was rejected in early March, leaving me unsure. After discussing it with @BeingIncog, I decided to try.

Applied on March 28:
✅ Uploaded my last 3 months' bank statement
✅ Choose Visa as the preferred network (no variant selection)
✅ If pre-approved, the bank statement step is skipped

The application number was generated, but no VKYC or verification call. I assumed it would be rejected like Scapia, but to my surprise, it got approved for Federal Signet with ₹75K! 🎉. It took a maximum of 2 hours to get approved.

Timeline:
📅 28th March – Applied & Approved Same Day
📦 29th March – Dispatched
📬 2nd April – Delivered


Now, I'm seeing the Wave Rupay card offer in the Federal App.

Any suggestions on how to get the Scapia card now? Also, an interesting point—there was no CIBIL hit this time, but during Scapia, there was.

Share your journey on how you got your Federal card and if this thread helped you in getting one! 🚀

Federal Bank Credit Card Comparison

 

[SplendorSuperman]

Coincidentally, I also got the same card with the same limit.

Should I ask them for reconsideration on Limit and Card Variant ?

 

[Anindya98]

Should I ask them for reconsideration on Limit and Card Variant ?

I don't think they will change it. I have got the card solely for instant bank discount offers, and for me 75K limit is good as I don't think. I will need more than that.

 

[SplendorSuperman]

I don't think they will change it. I have got the card solely for instant bank discount offers, and for me 75K limit is good as I don't think. I will need more than that.

Okay will leave as it is !
I got it for the offers too , hopefully they provide LE in future.

 

[BeingIncogBeingIncog is verified member.]

hopefully they provide LE in future.

they do. started with 170k got le around 8 months to 195k the again in march got le of 29K hehe

 

[opbamldg]

I was promised a Celesta credit card by Bank employee on pretext of opening a Celesta account and maintaining it for 3 months, but after 3 months, she is refusing the same. She said that one has to apply via link and if it doesn’t succeed, them she will send a manual application with ITRs. She didn’t mention this earlier, she had told me in December that I can be issued a credit card on manual application based on account balance statement. Should I proceed to RBI Ombudsman for misselling?

 

[Dazzwilliams]

I was promised a Celesta credit card by Bank employee on pretext of opening a Celesta account and maintaining it for 3 months, but after 3 months, she is refusing the same. She said that one has to apply via link and if it doesn’t succeed, them she will send a manual application with ITRs. She didn’t mention this earlier, she had told me in December that I can be issued a credit card on manual application based on account balance statement. Should I proceed to RBI Ombudsman for misselling?

Do you have email or written proof of such promise by bank employee?
No point without proof

 

[opbamldg]

Do you have email or written proof of such promise by bank employee?
No point without proof

No such proof, it was just an assurance.

 

[Anindya98]

I was promised a Celesta credit card by Bank employee on pretext of opening a Celesta account and maintaining it for 3 months, but after 3 months, she is refusing the same. She said that one has to apply via link and if it doesn’t succeed, them she will send a manual application with ITRs. She didn’t mention this earlier, she had told me in December that I can be issued a credit card on manual application based on account balance statement. Should I proceed to RBI Ombudsman for misselling?

Apply directly and see what you get. If you get a lower variant, then drop them an email stating your banking relationship with income docs.

 

[kodiswaran]

My application for a Federal Bank Celesta credit card was rejected due to a name mismatch in the backend system. A local credit card representative confirmed this after several follow-ups. The nearby bank branch refuses to assist without me opening an account with federal bank which I don't want to. The representative I contacted is unhelpful, and my email to multiple Federal Bank email addresses has gone unanswered.

is there any Federal Bank representative here who can help me? or is there anyone who can connect me to your known POC in federal bank?

 

[Dpk6200]

ITR 23-24 ki 1.91L & 24-25 ki 2.5L hai bus kabhi ispar incriment na de toh mai salary slip ka jugaad kar sakta hu agar uspar limit increase milta ho toh. vaise abhi maine axis (limit 90k) mein ITR di hai dekho 5 working days ka time diya hai. aap bata do kitne ki pay slip honi chaiye 1.5L-2L ki limit k liye please

Salary slips ke sath bank statement mangte hai cross verify karne ke liye.

Salary slips to le loge vo date ka transection bhi batana hoga statment me.

 

[RAHUL GOYAL]

Salary slips ke sath bank statement mangte hai cross verify karne ke liye.

Salary slips to le loge vo date ka transection bhi batana hoga statment me.

ohhh ok and what about forged ITR if mai apne bhai ki ITR pe apna pan number or naam likh du toh kaisa laga mera idea

 

[6ix9ine]

ohhh ok and what about forged ITR if mai apne bhai ki ITR pe apna pan number or naam likh du toh kaisa laga mera idea

 

[2025]

ohhh ok and what about forged ITR if mai apne bhai ki ITR pe apna pan number or naam likh du toh kaisa laga mera idea

Bhai, stop posting such tricks or messages here.

We do not know everyone's mental state. Someone might borrow your idea. If not stopped right now, then it's gonna defame this community.

Yes, as @6ix9ine already told. Sansodhanagar is the only answer.

 

[opbamldg]

Apply directly and see what you get. If you get a lower variant, then drop them an email stating your banking relationship with income docs.

I don't have income docs. I opened account only Celesta Account to bypass the criterias.

 

[Anindya98]

I don't have income docs. I opened account only Celesta Account to bypass the criterias.

You can email them stating that you pre-qualify for the Celesta Card based on your existing account relationship. Mention that your branch has not been supportive, and that the representative mis-sold the product by asking you to open a Celesta Account specifically for the card. Now, they are providing inconsistent responses and avoiding the issue entirely. If no appropriate action is taken, you may consider escalating the matter to the RBI Ombudsman. This entire experience has been frustrating and is negatively affecting your trust in the bank

 

[opbamldg]

You can email them stating that you pre-qualify for the Celesta Card based on your existing account relationship. Mention that your branch has not been supportive, and that the representative mis-sold the product by asking you to open a Celesta Account specifically for the card. Now, they are providing inconsistent responses and avoiding the issue entirely. If no appropriate action is taken, you may consider escalating the matter to the RBI Ombudsman. This entire experience has been frustrating and is negatively affecting your trust in the bank

Thanks for kind help. Will be doing it.