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

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Easiest Way to Get a Federal Bank Core Credit Card New
Anindya98

Anindya98

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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

1743614753674.webp 1743614600129.webp
 
Last edited:
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    Kushagra_ said:
    Question still stands 😅
    People have reasons to get scapia or other co-branded cards but none of the core cards by federal make any sense
    Click to expand...
    Got the card for upfront discounts, as mentioned by @maheshspanicker
    M

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

    Had a Federal savings account and long-term banking relation with the bank. One fine evening, just applied, it asked for mobile number and pan, completed the application, and the card was instantly approved, no documents, no VKYC. Took them a month to send the physical card though! Since I had the account, could see the full card details on the app and I could start using the card straight away.
    For the people who want to know about the benefits of a Federal core card, the benefits are not in terms of regular rewards, they aren't great at all. However, they have a wide range of upfront...
    • Like
     
    Upvote 0 Downvote
    Anindya98 said:
    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

    View attachment 89011 View attachment 89010
    Click to expand...
    Can i apply if I'm under 21?
     
    Upvote 0 Downvote
    Anindya98 said:
    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

    View attachment 89011 View attachment 89010
    Click to expand...
    Hmmm i may have seen Federal cc offer just once so I'm like let me ask obvious question have Federal Bank releaxed one customer one cc cause i hold onecard with Federal Bank so.. any idea if thing have changed you mentioned you though of getting scapia cause it will prevent you but asked anyway so i thought let ask.
     
    Upvote 0 Downvote
    vaibhav111 said:
    Hmmm i may have seen Federal cc offer just once so I'm like let me ask obvious question have Federal Bank releaxed one customer one cc cause i hold onecard with Federal Bank so.. any idea if thing have changed you mentioned you though of getting scapia cause it will prevent you but asked anyway so i thought let ask.
    Click to expand...
    Yes, they have relaxed the one customer one CC. I got this via Whats App from Scapia.
    1743617016383.webp
     
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    Upvote 0 Downvote
    Anindya98 said:
    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

    View attachment 89011 View attachment 89010
    Click to expand...
    congratulations 🎉 🎉 Glad it worked 😊 😊
     
    Upvote 0 Downvote
    2025 said:
    But the question is has anyone got that low apr? I didn't notice any such thread where people are sharing that they are getting low apr. If u know please share. I am looking at low apr cards.
    CC @Anindya98 @BeingIncog
    Click to expand...
    No just derived it on the basis of what’s mentioned on the CC page. I heard IDFC lowered APR on some of their cards, don’t remember specifically which one but maybe it was Wealth, maybe you can take a look
     
    Upvote 0 Downvote
    Infamous said:
    No just derived it on the basis of what’s mentioned on the CC page. I heard IDFC lowered APR on some of their cards, don’t remember specifically which one but maybe it was Wealth, maybe you can take a look
    Click to expand...
    Yes. I have already applied and got Select and Power+. My interest came after looking this thread:
    Gorillaz

    Revaluation Thread 'IDFC Wealth Credit Card Interest Rate Slashed!'

    Just received an email from IDFC, and I have to say - I’m pleasantly surprised. They have upgraded my monthly interest rate from 2.33% p.m. to just 0.71% p.m., effective 15th March 2025 for my Wealth Credit Card.

    To put this into perspective, this is way lower than most personal loan rates I’ve seen recently. If you’re someone who occasionally carries a balance or needs short-term liquidity, this kind of rate makes a huge difference.

    Not sure what triggered this change, but I’m definitely not complaining! Anyone else seeing similar upgrades from IDFC or other banks? Would love to hear...
    • Gorillaz
    • apr credit card idfc idfc wealth idfc wealth credit card interest interest rate lowest interest on credit card wealth wealth credit card
    • Replies: 30
    • Forum: IDFC FIRST Bank Credit Card
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    Waiting for similar offers. Thanks.
     
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