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Premium Decision Grade Catalog
FEDERAL BANK LTD
Federal Bank Signet Credit Card
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Verified Catalog
Source: FEDERAL BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
A lifetime free credit card from Federal Bank offering accelerated reward points on online spending and dining with no annual or joining fee.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Lifetime free card – no joining or annual fee.
Highlight 2
3 reward points per ₹100 on all online spends.
Highlight 3
2 reward points per ₹100 on all offline spends.
Highlight 4
10% discount on dining at partner restaurants.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
Expert opinion & editorial scorecard summarizing the card's position.
3.6 / 5
Pros
- APR: 3.5% per month (42% per annum)
Cons
- APR: 3.5% per month (42% per annum)
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