Federal Bank Credit Cards — Scapia, OneCard & More | card24.ai
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Federal Bank Credit Cards

Federal Bank Credit Cards

Travel More. Pay Less. Bank on Federal.

Compare Federal Bank credit cards — including the popular Scapia travel card with zero forex and 10% rewards, lifetime free options, and the OneCard metal card.

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Which Federal Bank Credit Card Should You Choose?

✈️

Choose Choose Scapia if if

You travel frequently and want 10% rewards on all spends, zero forex, and unlimited lounge access for free.

💳

Choose Choose OneCard if if

You want a full-metal credit card with 5X rewards on your top spend categories and zero annual fee.

⭐

Choose Choose Signet if if

You want a simple, no-fee Federal Bank card that rewards every spend without complexity.

👑

Choose Choose Celesta if if

You want premium lounge access and higher reward earn rates from Federal Bank at zero annual fee.

🔷

Choose Choose Imperio if if

You are a high-income Federal Bank customer seeking the bank’s most exclusive credit card benefits.

About Federal Bank Credit Cards

Federal Bank is one of India’s leading private sector banks, with 12.62 lakh active credit cards as of May 2025. Federal Bank’s credit card portfolio is a compact but high-impact range — anchored by the Scapia travel card (74,000 monthly searches), the OneCard metal fintech card, and Federal Bank’s own Signet, Celesta, and Imperio cards. All Federal Bank credit cards are lifetime free. Federal Bank operates a strict one-card policy: customers can hold only one Federal Bank credit card at a time.

Why Choose a Federal Bank Credit Card?

Federal Bank credit cards offer three distinct advantages:

  • Zero Forex on Scapia — The Federal Bank Scapia Credit Card offers zero forex markup on all international transactions — making it one of the most cost-effective cards for international travel in India. Combined with 10% rewards on all spends and unlimited domestic lounge access, it delivers premium travel value at zero annual fee.
  • All Cards Lifetime Free — Every card in Federal Bank’s portfolio — Scapia, OneCard, Signet, Celesta, and Imperio — carries no annual fee. Federal Bank has one of the cleanest lifetime free portfolios among Indian private sector banks.
  • Metal Card via OneCard — The Federal Bank OneCard Credit Card is a lifetime free full-metal card earning 5X rewards on top 2 spend categories each month, making it one of the few metal LTF cards in India. Managed entirely via the feature-rich OneCard app.

Types of Federal Bank Credit Cards

Federal Bank credit cards span four categories:

  • Travel & Zero Forex — The Federal Bank Scapia Credit Card (Visa) is the flagship travel card, earning 10% rewards on all spends and 20% on Scapia app travel bookings, with zero forex markup and unlimited domestic lounge access (spend-gated at ₹20,000/month). The Scapia RuPay variant, launched June 2025, adds UPI support with 5% rewards on qualifying UPI spends — both variants share the same zero forex and LTF benefits.
  • Metal LTF Fintech — The Federal Bank OneCard Credit Card is a lifetime free full-metal card earning 5X rewards on the top 2 spend categories each month. It has a 1% forex markup and no lounge access, but offers the most sophisticated spend-tracking experience via the OneCard app.
  • Entry & Everyday LTF — The Federal Bank Signet Credit Card is Federal Bank’s own entry-level lifetime free card, earning reward points on all spends. It is UPI-enabled and suited for first-time credit card users or those seeking a simple, no-fee Federal Bank card.
  • Premium & Ultra-Premium LTF — The Federal Bank Celesta Credit Card is the premium LTF option, offering lounge access (spend-gated from October 2025) and higher reward earn rates. The Federal Bank Imperio Credit Card is the ultra-premium offering for high-income Federal Bank customers, with the bank’s most exclusive benefits.

How to Choose the Right Federal Bank Credit Card

  • For travel and zero forex — The Scapia Credit Card is the clear choice. With 10% rewards on all spends, zero forex, and unlimited domestic lounge access at zero annual fee, it is the strongest travel card in Federal Bank’s portfolio and one of the best LTF travel cards in India.
  • For a metal card with smart rewards — The OneCard offers a full-metal card with 5X rewards on your top 2 spend categories automatically — ideal for users who want a premium feel and accelerated rewards without an annual fee.
  • For a simple everyday card — The Signet is the most straightforward Federal Bank own card, earning reward points on all spends with no annual fee and UPI support.
  • For premium lounge access — The Celesta offers spend-gated lounge access and higher reward earn rates for Federal Bank customers who want lifestyle benefits without a fee.
  • For ultra-premium benefits — The Imperio is Federal Bank’s most exclusive card, suited for high-income customers wanting the bank’s top-tier benefits.

Federal Bank credit card eligibility: 21–60 years of age, salaried or self-employed. For the Scapia card, apply via the Scapia app with digital KYC — no branch visit required. Minimum income requirements vary by card. CIBIL score of 700+ recommended. Important: Federal Bank’s one-card policy means you can hold only one Federal Bank credit card at a time.

Key Things to Know Before Applying

  • Fi Credit Cards Discontinued — Federal Bank’s co-branded Fi credit cards were discontinued in March 2026. If you held a Fi Federal Bank credit card, you should have received communications about your account status. card24.ai does not list discontinued cards.
  • Scapia Rewards Redemption — Scapia rewards (earned at 10% on all spends) are redeemable exclusively on the Scapia app for travel bookings — flights, hotels, and holiday packages. They cannot be redeemed for cashback, merchandise, or statement credit. This is a key consideration before applying.
  • Scapia Lounge Access Threshold — The Scapia card’s unlimited domestic lounge access requires meeting a minimum spend of ₹20,000 per month. Cardholders spending below this threshold do not receive complimentary lounge access that billing cycle.
  • OneCard Forex Markup — Unlike Scapia, the Federal Bank OneCard carries a 1% forex markup on international transactions. Choose Scapia if you travel internationally; OneCard if your spend is primarily domestic.

Frequently Asked Questions

Everything you need to know about Federal Bank credit cards.

The best Federal Bank credit card depends on your spending profile. The Federal Bank Scapia Credit Card is the strongest overall pick — it is lifetime free, earns 10% rewards on all spends, offers zero forex markup, and unlimited domestic lounge access (on meeting a ₹20,000/month spend threshold). It is the most searched Federal Bank card with 74,000 monthly searches. For metal card enthusiasts, the Federal Bank OneCard Credit Card offers a full-metal card with 5X rewards on top 2 spend categories, also lifetime free. For Federal Bank’s own card range, the Celesta is the premium LTF option and Signet is the entry-level pick.

Yes, the Federal Bank Scapia Credit Card is lifetime free — zero joining fee and zero annual fee. It is available on both Visa and RuPay networks. The Visa variant earns 10% rewards on all spends with 20% rewards on Scapia app travel bookings, zero forex markup, and unlimited domestic lounge access (subject to a ₹20,000/month spend threshold). The RuPay variant — launched June 2025 — earns 5% rewards on UPI/RuPay spends of ₹500 or above and shares the same zero forex benefit. Both are fully digital and managed via the Scapia app.

No. Federal Bank operates a one-card policy — customers can hold only one Federal Bank credit card at a time. This applies across all variants including Scapia, OneCard, Signet, Celesta, and Imperio. If you wish to switch cards, you must close your existing Federal Bank credit card before applying for a new one.

The Federal Bank Scapia Credit Card is a travel-first lifetime free credit card issued by Federal Bank in partnership with Scapia. It earns 10% rewards on all spends (redeemable only on Scapia app travel bookings — flights, hotels), 20% on direct Scapia app travel bookings, zero forex markup, and unlimited domestic lounge access for cardholders spending ₹20,000 or more per month. It is fully digital — onboarded and managed entirely through the Scapia app. A RuPay UPI variant was launched in June 2025, adding UPI payment support with 5% rewards on qualifying UPI spends.

The Federal Bank OneCard Credit Card is a lifetime free full-metal credit card issued by Federal Bank in partnership with OneCard (FPL Technologies). It earns 5X reward points on your top 2 spend categories each month — automatically calculated by the OneCard app. It carries a 1% forex markup and no lounge access. The card is managed entirely through the OneCard app, which provides real-time spend tracking, category analysis, and statement management. Note: OneCard is partnered with 7 banks in India — Federal Bank is one of the issuers.

Apply for a Federal Bank credit card as follows: For the Scapia card, apply entirely through the Scapia app (available on iOS and Android) — the process is fully digital with instant KYC and approval in many cases. For the OneCard, apply via the OneCard app. For Federal Bank’s own cards (Signet, Celesta, Imperio), apply at federalbank.co.in, the FedMobile app, or visit a Federal Bank branch. Basic eligibility: 21–60 years, salaried or self-employed, minimum income varies by card. A CIBIL score of 700+ is recommended.

Federal Bank credit card customer care: 1800-420-1199 (toll-free, 24x7). For Scapia card queries, contact support through the Scapia app. For OneCard queries, use the OneCard app or email support@getonecard.app. For Federal Bank own cards (Signet, Celesta, Imperio), call the Federal Bank helpline or visit federalbank.co.in. For card blocking in case of loss or theft, call the toll-free number immediately or use the FedMobile app to block the card digitally.