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.

 

[D₹V]

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).

Great find.

Kudos to you for this thread.

One can refer to my Thread regarding federal cards.

'All new Federal Bank credit cards are now LTF w.e.f. 3rd Apr 2023' https://www.technofino.in/community...t-cards-are-now-ltf-w-e-f-3rd-apr-2023.10067/

 

[Deleted member 21942]

I already have OneCard powered by Federal Bank. Now I can't have TwoCard from Federal Bank due to their OneCard policy

 

[aayusharyan]

I already have OneCard powered by Federal Bank. Now I can't have TwoCard from Federal Bank due to their OneCard policy

Ahh, tough luck bro. Yes, then you won't be able to. I see other members cancel their OneCard and apply. Maybe that might work. I don't know, My oneCard is with BOB Financial.

 

[BUDHRAJ]

Is there anyone who got scapia while having Fi account?
I am trying for months but scapia saying you have pre approved offer from federal so we can’t offer you scapia..

No offer or relationship with federal except fi account

Any solution?

 

[cardy]

Is there anyone who got scapia while having Fi account?
I am trying for months but scapia saying you have pre approved offer from federal so we can’t offer you scapia..

No offer or relationship with federal except fi account

Any solution?

Try for federal one

 

[BUDHRAJ]

Try for federal one

Shows no offer available

 

[D₹V]

Shows no offer available

If you have pre approved offer for FI card, you can apply federal card & you'll get same limit.

 

[BUDHRAJ]

If you have pre approved offer for FI card, you can apply federal card & you'll get same limit.

No pre approved offer on fi too😐

 

[Vaasu Annan]

I have started the application process, and after confirming my address, it's asking me to take a selfie video. Does this mean it's pre-approved, and do I have to take the video to see the limit?

 

[aayusharyan]

I have started the application process, and after confirming my address, it's asking me to take a selfie video. Does this mean it's pre-approved, and do I have to take the video to see the limit?

No, this means it's not pre approved.

 

[AllThatStuff]

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.

I didn't get the complete picture. Can you explain once more?

Where to apply, on Fi app or Federal Bank website?

And, how to know it is pre-approved or not?

FYI, I am also getting a credit card offer with 5L limit on Fi app!!

 

[aayusharyan]

I didn't get the complete picture. Can you explain once more?

Where to apply, on Fi app or Federal Bank website?

And, how to know it is pre-approved or not?

FYI, I am also getting a credit card offer with 5L limit on Fi app!!

If you see on Fi app that a CL of 5L is already pre approved. Then you should be able to get Federal Bank CC. Go to Fed website and start application process from there. Use the Same phone number. Should be able to get it.

 

[aayusharyan]

I didn't get the complete picture. Can you explain once more?

Where to apply, on Fi app or Federal Bank website?

And, how to know it is pre-approved or not?

FYI, I am also getting a credit card offer with 5L limit on Fi app!!

Share the SS if you can so others can take reference how that pre-approved offer looks like. I forgot to take mine and now I don't have that offer unfortunately.

 

[AllThatStuff]

Share the SS if you can so others can take reference how that pre-approved offer looks like. I forgot to take mine and now I don't have that offer unfortunately.

Is this the pre-approved offer you were talking about?

 

[aayusharyan]

Is this the pre-approved offer you were talking about?

Yes, this is that offer. Then next step is to start application (but don't complete). And then start applying on Fed bank.
I sent a DM, check that.

 

[Lobogris]

Is it better to open a Fi Money account, deposit say 5 to 10 (or more) lakhs in FD and wait for CC offers or is it better to directly open an account with Federal Bank and do the same?

 

[aayusharyan]

Is it better to open a Fi Money account, deposit say 5 to 10 (or more) lakhs in FD and wait for CC offers or is it better to directly open an account with Federal Bank and do the same?

If you have that much for IP, directly go to Fed Bank.

 

[Rahul Gupta]

Yes, this is that offer. Then next step is to start application (but don't complete). And then start applying on Fed bank.
I sent a DM, check that.

I don't think starting application on fi is necessary. Once you get a offer from fi, it means you are eligible from federal bank side and may directly proceed to get a cc from fed website.

 

[Lobogris]

If you have that much for IP, directly go to Fed Bank.

What does “IP” stand for here? Yes, I can easily invest 20, 30 or 50 lakhs if it helps me in getting their card in a few months. However, I don’t want to have to wait for more than 3 to 6 months. Recently tried this with Standard Chartered and got their card in 2 weeks.