SimplifyCards take:A good fit if you want a card built for travel, lounge, and dining
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Best for Travel SpendsBest for
3 Reward Points / ₹100 spent
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for travel, lounge, and diningBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on travel spends
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel Spends | 3 Reward Points / ₹100 spent | - |
| International Spends | 3 Reward Points / ₹100 spent | - |
| Dining Spends | 2 Reward Points / ₹100 spent | - |
| All Other Retail Spends | 1 Reward Point / ₹100 spent | - |
| Insurance Premium Spends | 1 Reward Point / ₹100 spent (capped at 250 points per month) | 250 Reward Points |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.16666666666666666 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 7:1 |
| Air India | Maharaja Club | 6:1 |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹60,000 in the preceding quarter)
2
International lounge2 visits per year
- 2 complimentary international airport lounge visits per calendar year
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Amazon Pay e-voucher worth ₹600 on spending ₹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 (₹400–₹5,000, capped at ₹150 per month)
Additional details
- A redemption convenience fee of ₹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
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Cash advance transactions
- Rent payments
- Wallet loading transactions
- EMI transactions
- Government transactions
Compare before you decide
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