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

The offer has been fulfilled by the bank/company.
Easiest Way to Get a Federal Bank Core Credit Card

Anindya98

TF Legend
VIP Lounge
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

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@Anindya98 I always get my Federal bank core credit card rejected.

First time when I applied 1.5 years back, they asked for bank statement, I uploaded and they instantly rejected.

For next 2 times, applying after 6 months each, last year and 6 months back, they rejected that time just after adding mobile number. It's been more than 6 months now since I applied last in December 2024.

Any idea what should I do?
I have almost all bank cards, only federal bank is the one that I need mainly for flight instant discounts.

I have jupyter savings account from last 6 years and activately using it.

Any idea to get a Federal bank credit card? I just don't trust their online site anymore.

I have tried to know the exact reason, almost 5-6 times they just gave reply that internal policies 😭😭
 
I went through the offline process and got Imperio with 2.5 lakh limit despite holding a much higher limit in CIBIL and a Celesta account with Federal Bank. I accepted the offer and took the card and now have started escalation via Celesta desk to upgrade it to Celesta. But now I have got a reason to close my account with Federal Bank because I didn’t want to maintain such a high variant account with them. Let’s see what happens now.
How to apply offline for Federal bank credit card?
 
How to apply offline for Federal bank credit card?
Have to maintain a high balance in account, after 3 months, sign a document for CIBIL check. The backend team decides a limit and conveys it to the branch, after you say yes, the same offer is uploaded on your linked mobile number. When you go through the normal link. You are shown the pre decided offer. I would like to give you some tips. Pressureize the branch for higher variant credit card approval with recommendation from Regional Head. I got Imperio credit card despite maintaining Celesta relationship. Now my branch is saying that they will try to upgrade to Celesta with Regional Head recommendation when I threatened to close the account.
 
Have to maintain a high balance in account, after 3 months, sign a document for CIBIL check. The backend team decides a limit and conveys it to the branch, after you say yes, the same offer is uploaded on your linked mobile number. When you go through the normal link. You are shown the pre decided offer. I would like to give you some tips. Pressureize the branch for higher variant credit card approval with recommendation from Regional Head. I got Imperio credit card despite maintaining Celesta relationship. Now my branch is saying that they will try to upgrade to Celesta with Regional Head recommendation when I threatened to close the account.
Oh, I see.
I only maintain around 10-30K in account.
It's actually jupyter account and classifies as salary account. (Kind of)

I have never visited the branch, but seems like a good idea. Will try after 3-4 months with no record of any credit card enquiry.
 
@Anindya98 I always get my Federal bank core credit card rejected.

First time when I applied 1.5 years back, they asked for bank statement, I uploaded and they instantly rejected.

For next 2 times, applying after 6 months each, last year and 6 months back, they rejected that time just after adding mobile number. It's been more than 6 months now since I applied last in December 2024.

Any idea what should I do?
I have almost all bank cards, only federal bank is the one that I need mainly for flight instant discounts.
Anything to do with the PIN code service issue
I have jupyter savings account from last 6 years and activately using it.
One thing I observed having a Fi or Jupiter Account doesn't give an edge on getting Federal DC.
Any idea to get a Federal bank credit card? I just don't trust their online site anymore.
You can try via the offline branch
I have tried to know the exact reason, almost 5-6 times they just gave reply that internal policies 😭😭
Drop a RBIO bomb on them this time.
 
Anything to do with the PIN code service issue

One thing I observed having a Fi or Jupiter Account doesn't give an edge on getting Federal DC.

You can try via the offline branch

Drop a RBIO bomb on them this time.
No, pin code for sure serviceable.
Yes will try offline.

How to drop a RBIO bomb? I don't know why but I have already told them that RBI guidelines/I will raise to RBI.
Felt hassle to me, but now I am frustrated, wanna throw the bomb 🥲

They just said internal policies sir, try later.
 
No, pin code for sure serviceable.
Yes will try offline.

How to drop a RBIO bomb? I don't know why but I have already told them that RBI guidelines/I will raise to RBI.
Felt hassle to me, but now I am frustrated, wanna throw the bomb 🥲

They just said internal policies sir, try later.
Use federal accounts and jupiter fi such accounts, u will eventually get it

For me, i had federal selfiebook account zero balance, jupiter and fi account.
I maintained 20 to 30k .

First i got call regarding pre-approved celesta with 6L limit ,but paid card. That time federal didn't launched ltf offer.
I denied

When federal launched ltf offer for all cards. I tried to apply, ltf offer gone. I applied manually, due to unserviceable pincode application declined.

After 5 6 months, i tried to apply, this time after entering mobile number straightaway address fetched from account and approved instantly with 10L limit.

So maintain good relationship with federal
 
Ok
Use federal accounts and jupiter fi such accounts, u will eventually get it

For me, i had federal selfiebook account zero balance, jupiter and fi account.
I maintained 20 to 30k .

First i got call regarding pre-approved celesta with 6L limit ,but paid card. That time federal didn't launched ltf offer.
I denied

When federal launched ltf offer for all cards. I tried to apply, ltf offer gone. I applied manually, due to unserviceable pincode application declined.

After 5 6 months, i tried to apply, this time after entering mobile number straightaway address fetched from account and approved instantly with 10L limit.

So maintain good relationship with federal
Okay will try.

But the thing is I already maintain a good balance in Jupyter. That's my account I do all mutual fund SIPs, daily SIPs.

I also got preapproved offer 2.5 years back when I didn’t start the job 😂
And just right after I started my career, they started with LTF cards, but same preapproved offer gone by then.

Don't understand the issue for 3 rejections as of now, one thing that could have been the reason I am guessing is my age. I was 22 when I applied last time. Experien always been above 800.
 
Ok

Okay will try.

But the thing is I already maintain a good balance in Jupyter. That's my account I do all mutual fund SIPs, daily SIPs.

I also got preapproved offer 2.5 years back when I didn’t start the job 😂
And just right after I started my career, they started with LTF cards, but same preapproved offer gone by then.

Don't understand the issue for 3 rejections as of now, one thing that could have been the reason I am guessing is my age. I was 22 when I applied last time. Experien always been above 800.
Age can't be the issue.
Federal system has been like that only. Its always hit and miss
 
Age can't be the issue.
Federal system has been like that only. Its always hit and miss
Let's see, have got all the credit cards now in my family. Legit almost all banks.

Only federal left for instant discount, will try 6 months later, will not have any enquiry, and will maintain good amount in Jupyter more.

Thanks!
 
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