SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and dining.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on travel spends.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 960 |
| Travel (cab, train, etc.) | Rs 5,000 | 1,800 |
| International spends | Rs 5,000 | 1,800 |
| Other spends | Rs 8,000 | 960 |
| Insurance | Rs 2,000 | 240 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel Spends
3 Reward Points / Rs 100 spent
Best for airport lounge access
10 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Travel spends | 3 Reward Points / Rs 100 spent | - |
| International spends | 3 Reward Points / Rs 100 spent | - |
| Dining spends | 2 Reward Points / Rs 100 spent | - |
| All other retail spends | 1 Reward Point / Rs 100 spent | - |
| Insurance premium spends | 1 Reward Point / Rs 100 spent (capped at 250 points per month) | 250 reward points |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 7:1 |
| Air India | Maharaja Club | 6:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of Rs 60,000 in the preceding quarter).
- 2 complimentary international airport lounge visits per calendar year.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advance transactions
- Rent payments
- Wallet loading transactions
- EMI transactions
- Government transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Amazon Pay e-voucher worth Rs 600 on spending Rs 10,000 within first 30 days of card issuance
Additional benefits
- Buy One Get One complimentary INOX movie ticket (once per quarter)
- Up to 15% off at partner hotels via FedDelights dining program
- 1% fuel surcharge waiver on eligible transactions (Rs 400–Rs 5,000, capped at Rs 150 per month)
Additional details
- A redemption convenience fee of Rs 99 + GST applies per redemption request.
Eligibility
Check this before you apply.
Salaried
- Minimum age: 21 years
- Subject to Federal Bank credit guidelines
Self-employed
- Minimum age: 21 years
- Subject to Federal Bank credit guidelines
Compare before you decide
Alternatives based on what you might want instead.