Federal Bank Ltd Lifetime Free Credit Cards

[D₹V]

• All cards of Federal Bank are LTF from today, infact premium ones 😅 but for us RuPay might be beneficial, seeing the surge in RuPay offer on different merchants.

• You can apply via Bank's Website. You need Bank Statement of 3 months (Must) and ITR also (Optional). Upload both for higher chances of approval.

All the customers onboarded with effect from 3rd April 2023 will be eligible to get LTF cards.

It has three varients

1. Celesta (Visa, MC)
2. Imperio (Visa, MC)
3. Signet (Visa, MC, RuPay)

Apply Here : https://creditcards.federalbank.co.in

Details : https://www.federalbank.co.in/credit-cards

MITC : https://www.federalbank.co.in/credit-cards-mitc


• Joining Fees - Nil
• Annual Fees - Nil

Benefits:

• 500 Amazon GV On minimum spend of Rs.3,000 in first 30 days.
• Complimentary Swiggy vouchers on quarterly spend of Rs.20,000.
• Complimentary lounge access - twice per quarter at Domestic airports and four times per year at International airports
• BOGO On INOX movie tickets, Once a Quarter.
• Within first 10 days spend, you'll get 10x points upto 500.

Reward System:

3x - Electronics & Apparel
2x - Entertainment
1x - Other Categories.
* For each 200 Spent.

 

[CC-Muncher]

CIBIL Score 778 & Highest limit 350k.
Just after verifying PAN it's shows no offer available , can't even select any varient. Having 16 active credit cards.

Is your address in there serviceable list? Sometimes they reject if its not

 

[BeingPramod]

Is your address in there serviceable list? Sometimes they reject if its not

Address should not be an issue. I live in Delhi- NCR area. Don't know on what basis they just reject the application. 🤬🤬

 

[BeingPramod]

Same here. I hold almost every banks card but they said no offer. And worst part is that they dont even tell a clear reason. They say "internal policy".

No need to waste our time. They will not reveal what are those shitty internal policies.

 

[federer.reddevil]

I found someone saying in group that if there is too many Cibil hits in the last 6 months it gets rejected

 

[BeingPramod]

I found someone saying in group that if there is too many Cibil hits in the last 6 months it gets rejected

I was having total 7-8 enquiries from past 6 months.

 

[Paras Jain]

I found someone saying in group that if there is too many Cibil hits in the last 6 months it gets rejected

I also had 7-8 in last 6 months. Which honestly is not too much because even existing credit product can also cause CIBIL hits for say limit increase, etc.

 

[jack333]

I think their limit is 3 in last 3 or 6 in last 6 months

 

[Shrinit Padwal]

I found someone saying in group that if there is too many Cibil hits in the last 6 months it gets rejected

Yes that was me, they emailed me regarding the reason after I mailed a lot. They said no of hard credit enquiries in CIBIL is more than permissible limit defined in bank's internal policy. But they are not ready to reveal exact criteria. I have mailed again for the same, not sure if they will even reveal it.

But my guess is 1 per month for past 3 months like that or 6 in 6 months.

You guys can also email them asking the exact reasons for rejection(No offers found), by mailing them at creditcards@federalbank.co.in.

They take a lot of time to reply though, very poor customer service.

 

[jack333]

They take around one week to reply but don't tell the exact no of enquiries permissible. I've just guessed according to my rejection 🤣

 

[Paras Jain]

Yes that was me, they emailed me regarding the reason after I mailed a lot. They said no of hard credit enquiries in CIBIL is more than permissible limit defined in bank's internal policy. But they are not ready to reveal exact criteria. I have mailed again for the same, not sure if they will even reveal it.

But my guess is 1 per month for past 3 months like that or 6 in 6 months.

You guys can also email them asking the exact reasons for rejection(No offers found), by mailing them at creditcards@federalbank.co.in.

They take a lot of time to reply though, very poor customer service.

Yeah I mailed them and they replied after almost 10 days mentioning 'internal policy'. Now i have replied asking for exact reason. Let's see if they still give same stipid reply

 

[tushu5121]

Nothing gona happen.. they just reject application without any varification just based on ban number.

 

[Ranger]

Address should not be an issue. I live in Delhi- NCR area. Don't know on what basis they just reject the application. 🤬🤬

They are just playing Russian roulette

 

[maheshspanicker]

Have an 8 year relationship with the bank. Got multiple calls with preapproved offers for all 3 variants. Didn't take as they were not providing LTF offers then. Will give it a go now.

 

[maheshspanicker]

So I applied today, they asked for PAN and mobile number, gave the number I already have registered with the bank. They've given me Imperio with a limit of 127000. The card got generated in a minute. Absolutely smooth! They had earlier offered me Celesta payed with a preapproved limit of 98000. No celesta this time, and in case, I was looking for Imperio or Signit. Signit is no longer required as I got the PNB and HDFC Rupay cards... So works fine... Only quibble is the credit limit. Old customer of their's with a healthy credit score. Could have been better!

 

[hireng]

anyone who holds one card and still got this card? Would like to give it a shot

 

[mr_vasanth]

So I applied today, they asked for PAN and mobile number, gave the number I already have registered with the bank. They've given me Imperio with a limit of 127000. The card got generated in a minute. Absolutely smooth! They had earlier offered me Celesta payed with a preapproved limit of 98000. No celesta this time, and in case, I was looking for Imperio or Signit. Signit is no longer required as I got the PNB and HDFC Rupay cards... So works fine... Only quibble is the credit limit. Old customer of their's with a healthy credit score. Could have been better!

Applied through their website or through customer care ?

 

[mr_vasanth]

Which federal bank credit card is best in terms of the reward rate ? Can someone tell please ?

 

[lhgeek]

Anyone got the Amazon voucher on spending ₹10k within 30 days for Celesta?

 

[AJ331]

Anyone got the Amazon voucher on spending ₹10k within 30 days for Celesta?

not yet, they asked me to wait, with in 60 days of issuance

 

[surajvg]

Anyone received the Amazon voucher for purchases in the first 30 days?
Celesta: 600 Rs for 10k spends
Imperio: 400 for 5k
Signet: 200 for 3k

@Gorillaz

Nope