Federal Bank Credit Card Policy

[cybergvm]

I contacted Federal Bank Customer Care regarding obtaining a core Federal Bank CC while holding a co-branded credit card. The following is the reply I received:

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Greetings from Federal Bank.

As per the latest update, customers can hold up to three active Federal Bank credit cards. The conditions are as follows:

•     Customers with a stand-alone Federal credit card may apply for up to two co-branded Federal credit cards.
•     Customers can hold up to three co-branded Federal credit cards without owning a stand-alone credit card.

However, customers who currently hold co-branded Federal credit cards are no longer eligible to apply for a stand-alone Federal credit card. also note that, Once a card is cancelled. A new card can only be reapplied for after 90 days, subject to eligibility criteria.

Feel free to revert us.
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I am glad that they responded professionally with proper details unlike customer care of other banks who mostly give vague / incomplete reply.

Hope, this will be useful to all those who wish to apply for a Federal Bank CC.

But, one thing that defies logic is why those who hold co-branded CCs already must be barred from holding the core CC. Hope, Federal Bank will do a rethink and approach the matter practically.

 

[hellowo₹ld]

this is what good response means.. thanks for the share. Do put screenshot of that email to this post, hide any details if not needed.

 

[zaid_2913]

However, customers who currently hold co-branded Federal credit cards are no longer eligible to apply for a stand-alone Federal credit card. also note that, Once a card is cancelled. A new card can only be reapplied for after 90 days, subject to eligibility criteria.

Not true, I have fed Scapia from 1 year. Today applied for core card. Card generated instantly.

 

[cardy]

Not true, I have fed Scapia from 1 year. Today applied for core card. Card generated instantly.

Please give details.
And screenshot of cards in app hiding details.
Is federal Bank app showing both the card or only the core one.
And how you applied on app or website?

 

[zaid_2913]

Please give details.
And screenshot of cards in app hiding details.
Is federal Bank app showing both the card or only the core one.
And how you applied on app or website?

Only core card is showing, got a message this afternoon from fed to apply.

 

[Avatar Aang]

So I have Fed Celesta and Rupay cards. Applied for scapia a few days back and they rejected citing internal policies.

 

[kvndsz512]

So I have Fed Celesta and Rupay cards. Applied for scapia a few days back and they rejected citing internal policies.

ek kaam karo pehele toh tm mail karo and yeh info le lo ki aur card de rahe 🤣

phir wapas old mail me danda karo ki rbi ke rule ke hisab se want to know the exact reason aur jab bole ki already card hai toh yeh unka hi reply chipka dena ki multiple card wala mail

 

[SycSCNR]

Iam holding fed Scapia card and after looking at the above comment just tried for federal core card and the application went through.Last when I tried they showed a message"You are already availing Fed bank credit card services"but just now the application went through and got the reference id for application saying it will take 7 days for the application process.

 

[iSayyed]

I am certain that these are not the criteria, and they are not permitted to disclose what the actual criteria are. It depends on various factors. When you engage in a conversation with them and seek clarification, they often respond with something that may not necessarily be true.

 

[kgaurav00]

However, customers who currently hold co-branded Federal credit cards are no longer eligible to apply for a stand-alone Federal credit card. also note that, Once a card is cancelled. A new card can only be reapplied for after 90 days, subject to eligibility criteria.

I have Scapia since October 2023 earlier i try to apply Fedral core card getting error "You have already avial this service". I try on 2nd September but this time card generated instantly. No Video KYC asked..

 

[thomasjackson]

I have been using Scapia card since June 2025. Previously I had tried to apply for Federal Bank core credit card (for the instant discount offers) through the website, but it always said that I am an existing user of federal credit card. On 4 Sep 2025, I tried to apply for the celesta mastercard credit card, it went through, but I was only offered Signet with a low limit of 21,000.

There was a CIBIL hit.

So I think there is no rule that Federal Bank would not offer core credit cards to existing users of cobranded cards. Maybe there would be a 3 month cooldown period considering that my application went through 3 months after Scapia approval.

Users who received card approval @kgaurav00 & @SycSCNR which card variant did you receive and how much was the offered limit?

Federal Bank offers seperate limit for core and cobranded cards.

 

[aayusharyan]

If someone is pre approved as cobranded, they can try for the Core card first. It used to work with Fi, unsure whether works with Scapia or not.

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

Nov 3, 2023

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...

• aayusharyan
• ltf card
• Replies: 81
• Forum: Federal Bank Credit Card

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[ali4u]

I have been using Scapia card since June 2025. Previously I had tried to apply for Federal Bank core credit card (for the instant discount offers) through the website, but it always said that I am an existing user of federal credit card. On 4 Sep 2025, I tried to apply for the celesta mastercard credit card, it went through, but I was only offered Signet with a low limit of 21,000.

There was a CIBIL hit.

So I think there is no rule that Federal Bank would not offer core credit cards to existing users of cobranded cards. Maybe there would be a 3 month cooldown period considering that my application went through 3 months after Scapia approval.

Users who received card approval @kgaurav00 & @SycSCNR which card variant did you receive and how much was the offered limit?

Federal Bank offers seperate limit for core and cobranded cards.

Faltu ka system hai , core card per limit bhut chindi deta hai , mere ko 55 k diya hai ...and scapia per 235 k hai ....