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.

 

[noob69]

Got it finally, after three rejections

 

[pavan000]

Got it finally, after three rejections

What was different this time?

 

[msd07]

Got it finally, after three rejections

reason for rejections?
how did uget later?

 

[AlgoTrader]

What was different this time?

yeah, i would love to know as well

 

[nayra]

Lounge access
Ltf
MC world
Apart from this any usecase of having this celesta im missing?

 

[noob69]

reason for rejections?
how did uget later?

First time was due to multiple hard enquiries (had to approach RBI BO to get exact reason) second was due to pin code serviceable (even when I lived in center of Bangalore)

Fedbank is weird

 

[noob69]

What was different this time?

Only one hard enquiry in last 9 months. I guess this was the deciding factor.

 

[msd07]

s

First time was due to multiple hard enquiries (had to approach RBI BO to get exact reason) second was due to pin code serviceable (even when I lived in center of Bangalore)

Fedbank is weird

so third time u used a diff address? or same as old?

 

[Ak Singh]

Only one hard enquiry in last 9 months. I guess this was the deciding factor.

So for applying fed bank cc shouldn't be credit enquiry in last say six months?

 

[BhaiyaJi]

So for applying fed bank cc shouldn't be credit enquiry in last say six months?

No thats not the case. I had 2-3 enquiries.

 

[noob69]

s

so third time u used a diff address? or same as old?

Same addres s

 

[noob69]

So for applying fed bank cc shouldn't be credit enquiry in last say six months?

No such hard rule. There can be other factors too.

 

[real_name_hidden]

Got celesta mc after 2 rejections. Few days after 2nd rejection, got call from federal that I'm eligible for cc. Federal bank is weird .

Maybe they are distributing cc during festive season.

 

[Batmanbaba]

GOT mastercard imperio as ltf with my highest limit.....among all cards..after 4 attempts.....no kyc,no documents asked....had fed bank savings account,fi and jupiter account before...currently all closed...just did an enquiry on experian

 

[AlgoTrader]

unfortunately my 3 month cool off period ends only by nov 10, need to wait till then to reapply

 

[sriteja]

Any solution/workarounds for non serviceable pincode in Aadhaar?

 

[sandeep6513]

I think none as many fetch aadhar pincode only and there isn't a workaround for that

 

[Premium]

Any solution/workarounds for non serviceable pincode in Aadhaar?

I used my non serviceable home address and used Office address for a big city. Application was accepted and i choosed delivery to home address.

 

[helloworld]

Lounge access
Ltf
MC world
Apart from this any usecase of having this celesta im missing?

nothing, thats it and those also not much useful except lounge. so basically just another card to keep in shelf.

 

[CreditCardFino]

Only one hard enquiry in last 9 months. I guess this was the deciding factor.

I had 4 in 6 months still got it