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

[Anindya98]

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

 

[Anindya98]

Scapia Card Airport Shopping - Please share your experience​

I am considering to apply Scapia RuPay Federal card. I need specific details on the shopping cashback and charges.
I have other cards for lounge (DCB), 2% cashback (Kiwi Rupay), and also own a Federal Celesta card.

I want to get this card specifically for Airport Shopping. What are the returns/cashback and shopping experience here? Is that worthwhile to get the card?
I can move 25-30k of my spends per month from Kiwi to Scapia to be eligible for these benefits.

I've also made a post for this question, in case people prefer that - https://www.technofino.in/community...-shopping-please-share-your-experience.43668/

@NikhilG can share more on it.

 

[Batman]

@NikhilG Sir, please share. How do you use it for shopping and what kinda discounts do you get.

 

[pavan000]

Tried applying Federal card today after holding scapia for three months and looks like I had the pre-approved card offer as it didn't ask for bank statement. Opted for imperio as the other option was signet. All my earlier Federal applications excluding scapia had experian hit bu this time there was a Cibil hit.

 

[Wealth is my birth right!]

1. Signet Credit Card

• Reward Structure:
  • 3x rewards on Electronics & Apparel purchases
  • 2x rewards on Entertainment expenses.
  • 1x rewards on all other categories.
• Welcome Benefit: Amazon Pay e-Voucher worth ₹200 on spending ₹3,000 within the first 30 days.
• Annual Percentage Rate (APR): Starting from 0.69% per month (8.28% per annum).

2. Imperio Credit Card

• Reward Structure:
  • 3x rewards on Health Care and Grocery spends.
  • 2x rewards on Utility payments (e.g., Electricity, Gas, Mobile bills).
  • 1x rewards on other expenditures.
• Welcome Benefit: Amazon Pay e-Voucher worth ₹400 on spending ₹5,000 within the first 30 days.
• APR: Starting from 0.69% per month (8.28% per annum).

3. Celesta Credit Card

• Reward Structure:
  • 3x rewards on Travel and International spends.
  • 2x rewards on Dining expenses.
  • 1x rewards on all other categories.
• APR: Starting from 0.69% per month (8.28% per annum).

4. RuPay Wave Credit Card

• UPI Integration: Seamless transactions via UPI by linking the card to UPI apps.
• Cashback Rewards: 10% cashback on the first five UPI transactions within 30 days of issuance (up to ₹200).
• Reward Points: 1 point per ₹200 spent.
• Milestone Bonus: 1,000 bonus points on quarterly spends of ₹50,000.

5. Co-Branded Credit Cards

• Federal Bank OneCard: Designed for tech-savvy users, offering a digital experience with rewards and benefits.
• Federal Bank Scapia Credit Card: Ideal for travel enthusiasts, offering rewards on travel bookings and zero forex markup.
• Federal Bank FI Credit Card: Offers a digital onboarding process with rewards tailored for modern banking needs.
• Federal Bank Edge Credit Card: Tailored for online shopping, providing seamless transactions and forex benefits.
  
  
  
  

Any federal bank card giving good returns on advance tax payments?

 

[SANTOSHJ1983]

Tried applying Federal card today after holding scapia for three months and looks like I had the pre-approved card offer as it didn't ask for bank statement. Opted for imperio as the other option was signet. All my earlier Federal applications excluding scapia had experian hit bu this time there was a Cibil hit.

Any other co branded federal cards you had ? Apart from scapia before applying core card ?
I have one card ( got few years back )and scapia ( got 5 months back) . So can i try federal core card ? Any restrictions

 

[pavan000]

Any other co branded federal cards you had ? Apart from scapia before applying core card ?
I have one card ( got few years back )and scapia ( got 5 months back) . So can i try federal core card ? Any restrictions

Only scapia. No harm in trying. If rejected wait for 90 days to reapply.

 

[PANK]

I was holding jupiter and fi account
I was not using them since they introduced changes
I closed my jupiter account and also planning to close fi
I thought just give a try that they will provide pre approved cc or not
As I come to know that federal Bank approval process is hard
But to my surprise they have pre approved impero cc for me
Should I close fi account or keep it with zero balance

 

[BeingIncogBeingIncog is verified member.]

But to my surprise they have pre approved impero cc for me

limit? same happened to me on 31st Dec, 2023

Should I close fi account or keep it with zero balance

close it already, before trouble knocks at your door.

 

[PANK]

limit?

2 L Master card impero

 

[BeingIncogBeingIncog is verified member.]

2 L Master card impero

naice . .