Federal Bank Credit Cards Credit Card. How to apply for a credit card, Federal Bank Credit Cards Net banking, Check Eligibility, status, bill payment
Federal Bank offers two types of Federal Bank credit cards which is issued in association with VISA. Federal Bank credit cards are co-branded with SBI which is of get attraction to customers. Federal Bank credit cards can be used for a variety of purposes such as shopping, payments, online transactions and more. Can’t wait to know more? Read on.
Best credit cards in India
Types of Federal Bank Credit Cards
Federal Bank provides two credit cards to its customers. The credit cards are accepted internationally. Federal Bank credit cards are issued in association with VISA and are co-branded with SBI. Customers can utilize these cards for a variety of payments, shopping, online transactions and at a million POS terminals.
Federal Bank credit cards are filled with advantages and there’s a choice of two cards that cater to the high-end user and the regular user.
- Federal Bank SBI - VISA Gold ‘N More
- Federal Bank SBI VISA Platinum
With the regular card “Gold ‘N More”, you can enjoy low joining and annual fees and get added benefits and special Federal Bank offers. Also, you can earn reward points and avail of fuel surcharges! With the high-end “Platinum” card, you can enjoy higher credit limit and enjoy exclusive benefits, discounts, and privileges.
Features and Benefits of Federal Bank Credit Cards
An array of benefits are enjoyed by the customers who own Federal Bank credit cards. The features of the credit cards are attractive to any customer.
- You can choose between two cards to suits their needs
- The cards are accepted globally at over a million outlets
- You will get gifts and offers upon joining
- You can earn reward points when you spend on your credit card and redeem them later for a variety of offers.
- Enjoy fuel surcharge waivers of up to Rs. 100 and Rs. 250 per month on Gold ‘N more and on Platinum credit card respectively.
- You can avail add-on cards for your family members
- Withdraw cash anywhere around the world at any time at over a million ATMs available.
- You can pay your bills online easily and securely
- Book railway tickets online
- You will be eligible to transfer your other bank’s credit card balance to Federal Bank card at lower rates of interest.
- Get EMI plans to pay back your dues
- Get your credit card statement through email
How to Apply for a Federal Bank Credit Card?
ONLINE: Customers can apply for a Federal Bank credit card online easily. When there is an active internet connection, you can apply for a credit card online. The process is quite effortless and quick. Follow the step by step procedure to apply for a Federal Bank credit card online using the official website.
Step 1: Visit the official website of Federal Bank
Step 2: On the top left corner of the webpage, click on “Personal”. A drop-down menu will appear.
Step 3: Click on “Credit Cards” and you will be shown the credits cards offered by Federal Bank.
Step 4: Choose the one which will suit your requirements and click “Apply Online”
Step 5: Now, you will be redirected to SBI webpage where you will have to fill in your details and click “Next”.
Upon filling the online application form, an application reference number will be generated to your contact number and email address post which a Federal Bank executive will come and collect your documents to verify the details and decide your eligibility criteria, credit limit etc.
OFFLINE: Federal Bank credit cards can also be availed through offline mode if the customers have no access to the internet or just prefer it to be a manual way. Those who do not want to use the online method can simply walk into the nearest branch and inquire about the types of credit cards available in Federal Bank. The appointed executive will show the cards and explain the features and benefits of each card. The customer can choose the one suitable for him and fill up the Federal Bank credit card application provided by the executive. On completing this, the customer has to submit the documents needed to avail the desired Federal Bank credit card. The executive will examine the documents and proceed with the remaining process. After all the procedures are over, the customer will receive his/her Federal Bank credit card within a few days.
Fees and Charges of Federal Bank
Each and every credit card has its own fees and charges applicable according to its features. Likewise, Federal Bank credit cards also have charges which will be levied in case of late payment or when the customer crosses the credit limit allotted. The charges vary depending upon the penalties or services provided by the credit card.
|Services/Cards||Federal Bank SBI VISA Gold ‘N More||Federal Bank SBI VISA Platinum|
|Annual Fee||Rs. 499 only||Rs 2,999 only|
|Joining Fees||Rs. 499 only||Rs 2,999 only|
|Reward points||1 Reward Point per Rs. 100 spent
(1 point is equal to Rs. 0.25)
|2 Reward Points per Rs. 100 spent
5X Reward points (10 points) at Dining, Departmental and International Spends
(1 point is equal to Rs. 0.25)
|Special Offer||Get back more than your joining fee (For first-time issuance only)
Earn 2000 reward points by using your card for a single transaction of Rs.2000 or more within 60 days.
|Earn 500 reward points by shopping using Federal Bank Platinum Card for Rs. 1000 or more in a single transaction within 30 days.|
|Fuel surcharge waiver||Enjoy the freedom from paying 1% fuel surcharge across all petrol pumps
(Fuel surcharge waiver is valid for transaction amount ranging from Rs. 500 – Rs. 3000, maximum surcharge waiver of Rs. 100/- per statement cycle.
|Enjoy the freedom from paying 1% fuel surcharge across all petrol pumps
(Fuel surcharge waiver is valid for transaction amount ranging from Rs. 500 – Rs. 4000, maximum surcharge waiver of Rs. 250/- per statement cycle.
Eligibility and Documentation Requirement for application of Federal Bank Credit Cards
Eligibility: Federal Bank has set eligibility criteria to its customers to avail a credit card. The applicant should meet the age criteria of the bank since it helps the bank to make an estimate of the repayment capacity of the customer. Secondly, the applicant must have a regular source of income which will help the bank to determine the maximum limit of the credit card to be allotted. And also, the applicant must have a decent credit score and no default payments. Each card has different eligibility criteria which will be discussed by the bank’s representative.
- PAN card
- ID proofs (Any one) -
- UID Aadhaar No.
- Driving License
- Voter’s ID
#1. Federal Bank Credit Card Bill Payment
Most of the users pay their bills online since it is user-friendly and easy to access. Federal Bank credit card bill will be generated every month based on the transactions made throughout the month made by the user. The user will have to make payments before the due date to avoid penalties. There are numerous ways through which Federal Bank customers can pay their Federal Bank credit card bills.
Federal Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a predetermined amount from your account. This will help you pay the bills on time and avoid late payment charges.
ONLINE: You can pay your credit card bills online when you have an active internet connection. There is a number of ways through which you can pay your credit card bills online. Let us have a look at it in detail.
Net banking: You can easily pay your credit card bills online using the net banking service of Federal Bank. You need to have an account with the bank to use the service. You have to sign up for the service and add their credit cards for the same. You will be able to get all the details related to your credit card through this facility. Once you have activated the service, you simply have to visit the website of the bank and log in using their username and password. Choose the Funds Transfer option and add your credit card number as a beneficiary. After this, select the card, the bill of which you want to pay and the bank account which you want to transfer and confirm the date of the transaction. Validate it using a transaction password or OTP number to confirm the transaction.
ATM Funds Transfer: To transfer funds via ATM, you have to first select the bill payment option for credit card and then choose the account through which they wish to make the payment. Now, they have to enter the number of the Beneficiary credit card and confirm the transaction.
Auto Debit Facility: Federal Bank provides you an Auto Debit Facility using which you can authorize the bank to deduct a certain percentage of the dues pending every month on the due date from their Federal Bank account. You have to download the Auto Debit form and mail it to the bank to activate this facility.
Federal Bank Credit Card Bill Payment from Non-Federal Bank Accounts:
Bill Desk: You can use the Federal Bank Billdesk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the Federal Bank net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases, you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Electronic Clearing System (ECS): Electronic Clearing System helps you pay your Federal Bank credit card bills. Through this facility, you can authorize Federal Bank to deduct your credit card bill amounts from accounts that they hold with any other bank in India. The amount will be debited 3 working days before the payment is due. To use the service, customers have to download the ECS form, fill and mail it to the bank.
SWIFT Transfer: Cardholders outside India can use Society for Worldwide Interbank Financial Telecommunication (SWIFT) facility to pay their Federal Bank credit card bills. You can transfer money from your local branch to your Federal Bank credit card.
VISA Money Transfer (VMT): VISA Money Transfer (VMT) has made the payment process of Federal Bank Bank VISA credit cards easy and simple. This service allows you to pay your pending credit card bills by transferring funds to your VISA credit card online from your other bank account.
OFFLINE: In case you do not have an active internet connection or if you feel uncomfortable with the online mode of payment then you can try the manual method where you will have to visit the bank. Let us discuss in detail
Cash payment: You can pay your Federal Bank credit card bill by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop off the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
#2. Federal Bank Credit Card Netbanking:
Federal Bank provides online banking service to its customers including savings account, current account, and credit card holders. The netbanking facility allows users to do multiple transactions with comfort. Federal Bank credit cardholders can avail the facility to access their credit card information, to manage their transactions and to raise service requests related to credit card.
Benefits of Federal Bank Credit card Online Banking:
24x7 access: You can have 24x7 access to your credit card account information when you register your Federal Bank Credit Card for Internet Banking services including credit limit and cash limit on the card, recent transactions made using the card, last payment details, total amount due, due date, etc. if you have internet connection, you can view them at any time anywhere instead of calling the customer care department.
Payments on time: You can make payments like credit card bill, telephone bill, electricity bill, internet bill on time by using your online banking account to save your time and avoid late payments.
Manage account: FedNet allows you to manage your account all by yourself as it provides access to your credit card account information. You can manage your account information by updating your personal details such as address, mobile phone number, email ID, etc., view or edit standing instructions on your account, subscribe for new services related to the card and lot more.
Features of FedNet Services
- You can transfer funds between your own accounts
- You can transfer funds to other Federal Bank or Non-Federal Bank accounts securely
- Enjoy freedom from the hassles of Cheques and Demand Drafts
- Get instant Recharge facility for prepaid Mobile and DTH
- You can transfer funds using IMPS
- You can open Fixed deposits and Cash certificates online within a few clicks
- You can invest in Recurring Deposits from the comforts of your home
- You can make loan repayments on time
- Just pay all your Direct & Indirect taxes online and get instant confirmation
- You can view ini statements online
- You can submit Tele-banking Requests
- Pay children's educational fees online using this service
- You can use Fednet for Safe and Secure Online Shopping
#3. Federal Bank SBI Credit Card Status:
ONLINE: SBI has a dedicated portal designed in such a way that its customers can check their account details through online. Likewise, the SBI credit card application status can also be tracked using the portal. There are two ways a customer can check the application status. One is with the application number and the other without. To track your status online, follow the steps
Step 1: Visit SBI Card website www.sbicard.com
Step 2: Select ‘Track my Application’ option from the ‘Apply’ drop-down menu
Step 3: There will be two options - Track Application and Retrieve Application
Step 4: Select ‘Track my Application’ if you have the application number and ‘Retrieve Application’ when you don’t have it
Step 5: First the first option, just enter the application number and click ‘Track’
Step 6: In the case of the second option, you can track it using your date of birth and PAN.
You will receive the status as soon as you are done checking it. It could either be in progress, on-hold, approved, dispatched or disapproved.
When the status says in progress means your application is still under progress and the bank needs some more time to process it.
An approved status appears when your card is approved and will reach you in soon. Please note that when your application is approved, your card will be dispatched soon. In that case, you will receive dispatched as your status. You will receive an SMS mentioning the expected time of delivery. Make sure you are available at the mentioned address as it will be handed over to the applicant only. You might be asked for any one of your original ID proofs to further validate your identity at the time of delivery.
Apart from this, you might also receive something like on-hold and disapproved. The on-hold status denotes that your application has been kept on-hold due to some reasons like failed document verification, need more documents to finish the process. You will likely receive a message or call from the bank.
Your application will get disapproved when you don’t meet the eligibility criteria set by the bank. To know the reason for disapproval you can call the SBI customer care. According to SBI norms, once your application is disapproved you are only eligible to re-apply only after 3 months. In a few exceptional cases, you may not be able to apply for longer.
OFFLINE: When the customer does not have access to the internet, he/she can call the Federal Bank helpline number to know the status of their application. This is an offline mode. SBI has two helpline numbers to track the customers’ application status, 1800 - 425 - 1199 or 1800 - 420 - 1199. Customers from abroad can dial +91- 484 - 2630994 or +91-484-2630995 to contact customer care.
#4. Federal Bank Credit Card Customer Care
You can contact the Federal Bank customer care team by dialing 1800 - 425 - 1199 or 1800 - 420 - 1199. Customers from abroad can dial +91- 484 - 2630994 or +91-484-2630995.
Feel free to get in touch with the bank in case of any issues or queries. The Federal Bank has an active customer care team to resolve all your queries as soon as possible.
This helpline can also be used for all the general queries including information about the bank’s products, balance enquiry, cheque related details, information about entries in the account, location of bank branches and ATMs, interest rates and service charges, to raise complaints or suggestions related to the Federal Bank’s products/services, for unlocking internet banking accounts and reissue of passwords, and to know the status of debit cards.
For verification purposes, you will have to provide few details such as communication address registered with the bank, customer ID, details of last three transactions, date of birth, etc to the bank representative.
You also have an option of writing a mail with all the details of your queries/issues. Send the mail from your registered mail ID to:
If you are not satisfied with the products/services offered by the bank, you can escalate the issue to the bank’s higher officials through the grievance redressal mechanism.
Federal Bank has a four-step grievance redressal mechanism to help customers get a proper and prompt resolution to their concerns/queries. Mentioned below is the grievance redressal process.
Step 1: Initially, Federal Bank customers can approach the bank’s customer care department through the toll-free helplines – 1800 425 1199 or 1800 420 1199.
Alternatively, they can also contact the branch where their account is maintained to report their issue.
Customers can also use the complaint form available on the bank’s website under the ‘Grievance Redressal’ page. The duly filled in form should be sent to the address given below.
Deputy Vice President,
Service Quality Department,
Federal Towers, Head Office,
Kerala - 683 101.
Or you can also e-mail the form to email@example.com or send it in the form of a fax to 0484-2626366.
Step 2: If you haven’t received proper resolution through the above-listed channels within a week, you can escalate the issue to Federal Bank’s Zonal Nodal Officer appointed for your region.
You may either send a written request or an e-mail to the Zonal Officer describing your concern. The list of Zonal officers of all regions in India is mentioned below for your reference.
|Region||Name and Address of the Zonal Officer||Phone/Fax||E-mail Address|
|Bangalore||Nandakumar V, The Federal Bank Ltd, Zonal office, 1st Floor, Halcyon Complex, No.9, St. Marks Road, Bangalore - 560001 Karnataka.||080- 22110054 Fax: 080- firstname.lastname@example.org|
|Chennai||Srinivasan K, The Federal Bank Ltd, Zonal Office, Bhattad Tower, 1st Floor, 30, West Cott Road, Royapettah, Chennai - 600014 Tamil Nadu.||044- 28587516 Fax: 044- email@example.com|
|Ernakulam||Sunny N V, The Federal Bank Ltd, Zonal Office, 6th Floor, Federal Towers, Marine Drive, Ernakulam – 682031 Kerala.||0484- 2385520 Fax: 0484- firstname.lastname@example.org|
|Kolkata||Regi C V, The Federal Bank Ltd, Zonal Office 2B, "Regency"6, Hungerford Street, Kolkata – 700017 West Bengal.||033- 22830840 Fax: 033- email@example.com|
|Kottayam||Anil Kumar V V, The Federal Bank Ltd, Zonal Office, Mar Makil Centenary Memorial Building, S H Mount P O, Kottayam – 686006 Kerala||0481- 2302329 Fax: 0481- firstname.lastname@example.org|
|Kozhikode||Radhakrishnan K, The Federal Bank Ltd, 2nd Floor, Federal Towers, 27/97G, Mavoor Road, Kozhikode – 673016 Kerala.||0495- 2741100 Fax: 0495- email@example.com|
|Mumbai||Deepak Govind P A, The Federal Bank Ltd, Zonal Office, Laxmi Towers, A-1, 4th Floor, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 Maharashtra||022- 26566702 Fax: 022- firstname.lastname@example.org|
|New Delhi||Babu K A, The Federal Bank Ltd, Zonal Office, 1/7, Patel Road, East Patel Nagar, New Delhi - 110 008||011- 25885485 Fax: 011- email@example.com|
Step 3: If the Zonal Officer didn’t respond within a week or when you are unhappy about the given resolution, you can take the issue to the bank’s Chief Operating Officer. Write a letter detailing your concern and send it to the address provided below.
Chief Operating Officer,
CEO's SecretariatFederal Bank Limited,
Federal Towers, Bank Junction, Aluva,
Kerala - 683 101
Fax: 91 484 262636.
If your issue remains unresolved even after contacting all the persons mentioned in the above levels, you can contact Federal Bank’s Managing Director and CEO.
Managing Director and CEO,
The Federal Bank Ltd.,
Federal Towers, Aluva,
Kerala - 683 101.
Step 4: If the issue is not resolved at the bank level within 30 days of first registering the complaint, you may escalate the same to Banking Ombudsman appointed by the Reserve Bank of India. The officers are appointed for every region and can be approached by writing a letter, sending an e-mail or through phone calls.
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