SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, entry level, and electronics.
Why it can work
It combines complimentary airport lounge access and no annual fee.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
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 |
|---|---|---|
| Other spends | Rs 8,000 | 2,880 |
| 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 airport lounge access
4 complimentary lounge visits a year across domestic and international.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
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 |
|---|---|---|
| Electronics and apparel spends | 3 Reward Points / Rs 100 spent | - |
| Entertainment 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 | 13:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic airport lounge access (subject to minimum spend of Rs 20,000 in the preceding quarter).
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 200 on spending Rs 3,000 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 (Rs 400–Rs 5,000, capped at Rs 150 per month)
- Personal accident insurance cover of Rs 2 Lakhs
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.
Federal Bank Imperio Credit Card
Best for grocery, healthcare, lounge.
Federal Bank Celesta Credit Card
Best for travel, lounge, dining.
IndusInd Bank Platinum RuPay Credit Card
Best for upi, lifetime free, entry level.