If you have a Pre Approved offer on Fi Credit Card, you might be able to get Federal Bank Core CC

[aayusharyan]

If you have a Fi account and you noticed the Credit Card section on their App, you can start the Application, I did that, they have some sort of processing which gives the Pre approved limit of 5L (without hitting CIBIL, atleast in my case). I didn't complete the Application. Didn't do vKYC or anything. Just saw Pre-Approved and dropped the application.

My relation with Fi is pretty basic. I opened the account around 2 years ago (I think during covid time sometime). my AMB is less than 1K in the main bank account. I just have an FD with them for 30K around. Nothing else, not much transactions as well, once in a while to not make it dormant.

But recently I saw that offer on the app, but didn't apply because I was not really looking forward to get a paid CC. However, it seems for whatever reason (or system glitch), this is synced with the Bank (Federal) and not the Sub bank (Fi). Therefore, when I applied for Federal Bank CC under their LTF offer. I got the same Pre approved Limit and was able to grab their Celesta CC under LTF (Actually, I had the option to Choose between Celesta, Imperio and Signet with exception being that Signet was with CL of 3L, maybe that's it's Ceil limit). Which in my opinion is better than Fi card, simply because of (1) LTF, (2) Lounge Access.

So, if you can see a Pre approved offer for Fi CC in the App, then you might be able to grab Federal Bank's Core CC.

All of this, without any Credit Enquiry (I checked, CRIF, CIBIL and Experian).

Also, no documents asked, no verification. Only vKYC.

 

[aayusharyan]

I had a talk with Fi customer care, and they confirmed it is pre-approved.

What did Fed-up customer care people say about the application?

 

[Vaasu Annan]

What did Fed-up customer care people say about the application?

Fi Customer care. They informed me that the card is pre-approved and after submitting the selfie video, it will be approved.

When I checked the Federal bank website, I found out that I was eligible for Imperio. There was no Vkyc. The card is now showing up on Feb Mobile.

 

[aayusharyan]

Fi Customer care. They informed me that the card is pre-approved and after submitting the selfie video, it will be approved.

When I checked the Federal bank website, I found out that I was eligible for Imperio. There was no Vkyc. The card is now showing up on Feb Mobile.

Ohhh nice, nice. So, finaly you were able to get Fedup Card?
I wonder why they gave Imperio. What's the CL you got?

 

[aayusharyan]

Fi Customer care. They informed me that the card is pre-approved and after submitting the selfie video, it will be approved.

When I checked the Federal bank website, I found out that I was eligible for Imperio. There was no Vkyc. The card is now showing up on Feb Mobile.

Congratulations on your new CC, BTW.

 

[aayusharyan]

Ohhh nice, nice. So, finaly you were able to get Fedup Card?
I wonder why they gave Imperio. What's the CL you got?

Were there any other steps involved?
I will update the original post in that case.

 

[Vaasu Annan]

Ohhh nice, nice. So, finaly you were able to get Fedup Card?
I wonder why they gave Imperio. What's the CL you got?

92k. Fed CC site asked me for my mobile no, then PAN and after loading for a minute, It showed Imperio. After confirming the address, a card has been approved and will be dispatched soon message appeared.

 

[aayusharyan]

92k. Fed CC site asked me for my mobile no, then PAN and after loading for a minute, It showed Imperio. After confirming the address, a card has been approved and will be dispatched soon message appeared.

Yeah, with that CL, Imperio seems reasonable. BTW, what was pre approved on Fi? Same limit or something else?

 

[Vaasu Annan]

Yeah, with that CL, Imperio seems reasonable. BTW, what was pre approved on Fi? Same limit or something else?

Fi app never showed me the limit.

 

[aayusharyan]

Fi app never showed me the limit.

Interesting. My assumption is that it would have been the same limit, but I believe we can never know that. Hehe.
But good to know this trick worked for you. 😉

 

[Vaasu Annan]

Fi application was like - CC section says I'm eligible → Address confirmation → Selfie Video. I stopped here.

Interesting. My assumption is that it would have been the same limit, but I believe we can never know that. Hehe.
But good to know this trick worked for you. 😉

They'll probably cancel the card after a month saying it was a system error. https://www.technofino.in/community/threads/federal-bank-cancelled-my-imperio-card.14059/post-246395

 

[aayusharyan]

Fi application was like - CC section says I'm eligible → Address confirmation → Selfie Video. I stopped here.

They'll probably cancel the card after a month saying it was a system error. https://www.technofino.in/community/threads/federal-bank-cancelled-my-imperio-card.14059/post-246395

I hope that's not the case with this trick, lol.

 

[Lobogris]

I had a talk with Fi customer care, and they confirmed it is pre-approved.

How long after opening the Fi account did you see this offer and what sort of balance did you maintain? Others can also please state how long it took!

 

[Vaasu Annan]

How long after opening the Fi account did you see this offer and what sort of balance did you maintain? Others can also please state how long it took!

I have been a Fi user since Jan 2022 and have maintained a 50k MAB for the past 6 months. I believe the option to apply for the credit card has been available to me for the last 2 months but I only applied after aayusharyan made this thread.

 

[Lobogris]

I have been a Fi user since Jan 2022 and have maintained a 50k MAB for the past 6 months. I believe the option to apply for the credit card has been available to me for the last 2 months but I only applied after aayusharyan made this thread.

Thanks. That's almost 2 years! I think I will rather try directly with Federal Bank by opening a premium account if they promise a card with it.

 

[crazyuploader]

If you have a Fi account and you noticed the Credit Card section on their App, you can start the Application, I did that, they have some sort of processing which gives the Pre approved limit of 5L (without hitting CIBIL, atleast in my case). I didn't complete the Application. Didn't do vKYC or anything. Just saw Pre-Approved and dropped the application.

My relation with Fi is pretty basic. I opened the account around 2 years ago (I think during covid time sometime). my AMB is less than 1K in the main bank account. I just have an FD with them for 30K around. Nothing else, not much transactions as well, once in a while to not make it dormant.

But recently I saw that offer on the app, but didn't apply because I was not really looking forward to get a paid CC. However, it seems for whatever reason (or system glitch), this is synced with the Bank (Federal) and not the Sub bank (Fi). Therefore, when I applied for Federal Bank CC under their LTF offer. I got the same Pre approved Limit and was able to grab their Celesta CC under LTF (Actually, I had the option to Choose between Celesta, Imperio and Signet with exception being that Signet was with CL of 3L, maybe that's it's Ceil limit). Which in my opinion is better than Fi card, simply because of (1) LTF, (2) Lounge Access.

So, if you can see a Pre approved offer for Fi CC in the App, then you might be able to grab Federal Bank's Core CC.

All of this, without any Credit Enquiry (I checked, CRIF, CIBIL and Experian).

Also, no documents asked, no verification. Only vKYC.

How do I interpret this? It says Credit limit up-to 10L, is it still pre-approved?

 

[aayusharyan]

How do I interpret this? It says Credit limit up-to 10L, is it still pre-approved?

This looks like not pre approved. @Vaasu Annan was it looking like this in yours as well? The wording. `Credit Limit UPTO XXXX`.

 

[aayusharyan]

How do I interpret this? It says Credit limit up-to 10L, is it still pre-approved?

A very quick way is to call Fi customer care and confirm with them. In my case, it was showing the exact limit they were offering. Not upto. However, in case of @Vaasu Annan it might have looked like this, but that only he can confirm.

 

[Vaasu Annan]

This looks like not pre approved. @Vaasu Annan was it looking like this in yours as well? The wording. `Credit Limit UPTO XXXX`.

I don't recall seeing the "Credit Limit Up To XXXX" wording. I would've mentioned it here if I had seen it.

 

[aayusharyan]

How do I interpret this? It says Credit limit up-to 10L, is it still pre-approved?

Then this is not pre approved. You can take chances by talking to Fi customer care, but I don't think the trick would work on this situation.

 

[crazyuploader]

This looks like not pre approved. @Vaasu Annan was it looking like this in yours as well? The wording. `Credit Limit UPTO XXXX`.

Yeah indeed looks like it's not pre-approved

Then this is not pre approved. You can take chances by talking to Fi customer care, but I don't think the trick would work on this situation.

Guess I will skip, their Visa Signature card looks decent though