SimplifyCards take:A good fit if you want a card built for grocery, healthcare, and lounge
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Best for airport lounge accessBest for
8 complimentary lounge visits a year across domestic and international
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for grocery, healthcare, and loungeBottom line
It combines complimentary airport lounge access, milestone rewards, and no annual fee
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 |
|---|---|---|
| Grocery Spends | 3 Reward Points / ₹100 spent | - |
| Healthcare Spends | 3 Reward Points / ₹100 spent | - |
| Utility 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 0.14285714285714285 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 9:1 |
| Air India | Maharaja Club | 7:1 |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹40,000 in the preceding quarter)
2
MilestoneComplimentary Big Basket voucher worth ₹300 on achieving quarterly spend of ₹50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Amazon Pay e-voucher worth ₹400 on spending ₹5,000 within first 30 days of card issuance
Additional benefits
- Buy One Get One complimentary INOX movie ticket (once per quarter)
- 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
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