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.

 

[xiddy]

Got no offers available. Already have a Fi account and Cibil 791.

 

[meetprj]

I had to be transferred for VKYC but the page showed some error so what to do now?

Yes one guy had to go though Video KYC, after that instantly approved.

 

[WandereR]

Unfortunately not available at my location(Raipur, Chhattisgarh).
"
Sorry, we are unable to process your request due to our limited serviceability at the requested location.
CLOSE
"
This is probably the 3-4 time wasn't able to apply for LTF card.. happened before for Standard Charter too

@D₹V - Thanks for the info, Great find

Do they still do a cibil check?

 

[G1jot]

It’s a myth. I hold a Fi account and my card was approved with a decent credit limit.

Fi is under Fintech partnership with Federal Bank. A Fi account number is actually Federal Bank account number and that is the reason for an instant card approval (with a decent credit score of course).

 

[Phonix_YT]

Fi is under Fintech partnership with Federal Bank. A Fi account number is actually Federal Bank account number and that is the reason for an instant card approval (with a decent credit score of course).

No, i have fi account and cibil is 792 still " no offer " message for me

 

[hks789]

I have fi account
788 cibil
Oldest cc - 8 years
2nd oldest - 2 years
Total 12 cc.
Utilization - 4%
Last 6 months - 9 enquiries, 2 new cards
Last 45 days - zero changes

No offer for me 🥲

 

[Gaurav11]

Are we going to get the 2000 amazon voucher on applying Celesta?
Are the reward rates same across signet and celesta?
Any upside of celesta or should one stick to rupay signet?

 

[Chitra007]

Not receiving aadhar ekyc OTP, showing technical error on resending OTP.

 

[D₹V]

I had to be transferred for VKYC but the page showed some error so what to do now?

They'll call you.

 

[G1jot]

No, i have fi account and cibil is 792 still " no offer " message for me

Federal cards are hardly a couple of years old and I am surprised that they have come up with a 100% automated portal which will give you an instant card or a straight away rejection.

Now since there is no human intervention one must have to have minimum defined checkpoints as per bank's internal criteria for approval.

The internal criteria for all banks though is always questionable as we don't always know the reason for rejection but in this case as there is no human element involved in rejection so there must be something negative which does not align with the bank's criteria.

The option where they are asking for statement/ITR upload has to be manual and I have no idea regarding the same.

 

[D₹V]

Federal cards are hardly a couple of years old and I am surprised that they have come up with a 100% automated portal which will give you an instant card or a straight away rejection.

Now since there is no human intervention one must have to have minimum defined checkpoints as per bank's internal criteria for approval.

The internal criteria for all banks though is always questionable as we don't always know the reason for rejection but in this case as there is no human element involved in rejection so there must be something negative which does not align with the bank's criteria.

Well explained ♥️.

 

[iamankit]

itni jaldi kya thi offer thodi 2 hours me khatam hone wala tha

Kya kare raha nahi jata tadap hi aesi hain 😁

 

[paipurivamsi]

No, i have fi account and cibil is 792 still " no offer " message for me

Have you used the same mobiel no as registered with Fi Account?

 

[manikP]

Have you used the same mobiel no as registered with Fi Account?

I used same mobile as FI, still got no offer

 

[Rashya]

Whether only account holders with federal bank can apply or anyone without account can apply ?

 

[hks789]

Whether only account holders with federal bank can apply or anyone without account can apply ?

Anyone can apply

 

[xxScriptzxx]

Got instant approval with 10 lakh limit, celesta variant. Looks like fi account helped me the process. Application filled in 2 minutes. !!

 

[G1jot]

Well explained ♥️.

Great find on the new LTF. Was it a coincidence that you stumbled on the website post midnight for an offer launched today itself or you must be on the credit card team to know about such an offer in its infancy that even customer care representatives were unaware of this offer.

Kudos on a great share.

 

[anirban.choudhury]

Whether only account holders with federal bank can apply or anyone without account can apply ?

Anyone

 

[hks789]

Anyone

I applied with Family members PAN, it was approved, Now waiting for vKYC
She had no account with Federal, Just one SBI CC