Federal Bank RuPay Signet Credit Card: Features & Apply

Summary

Federal Bank RuPay Signet Credit Card is a lifestyle credit card that gives rewards, cashback, and lifestyle rewards. RuPay-based, the card ensures secure and seamless transactions with multiple advantages in shopping, traveling, and fuel spends.

With this card, consumers will receive 3 reward points on each ₹100 spent on online transactions and 2 reward points on each remaining ₹100 of the remaining transactions. Reward points can be redeemed against shopping, travel, and gift vouchers. The card holders also get 4 complimentary visits to domestic airport lounges for a year, which is of great help for frequent travelers.

Among the special benefits of this card is that it pays a 1% fuel surcharge on purchases between ₹400 and ₹5,000, up to a maximum of ₹100 per month. The card also has personal accident insurance cover of ₹2 lakh, which ensures the protection of funds. The card also features contactless payment, enabling quick and secure payment with the help of NFC technology.

Introduction

A credit card is an extremely handy gadget to handle money at ease for people. The Federal Bank RuPay Signet Credit Card is a special credit card that loads many advantages to the consumers of the credit card. While making purchases online, booking air tickets or making regular payments, this card provides rewards, promotions, and cashback.

One of the strongest points of this card is that it runs on the RuPay network, which is an Indian payment system sponsored by the National Payments Corporation of India (NPCI). RuPay cards are very secure, fast and have exclusive Indian merchant offers. This card is perfect for those who are keen to use Mmade-in-India financial products.

The Federal Bank RuPay Signet Credit Card is a high-feature card with options such as waivers of fuel surcharges, free access to airport lounges, and rewarding points for various expenditure categories. Whether you are a shopper, a traveler, or a eater-out, the card saves you more with every purchase. The card has also got benefits in the shape of insurance coverage, hence it is a safe and rewarding card for its users.

In this article, we will provide all the details, benefits, eligibility criteria, and application process of this credit card. Continue reading to learn why this card is a smart move for you!

What is the Federal Bank RuPay Signet Credit Card?

Federal Bank RuPay Signet Credit Card, in collaboration with RuPay, is an Indian payments network. This credit card has a bunch of offers like cashback, reward points, offers, and air travel benefits. The card is ideal for anyone who loves eating out, shopping, and traveling since it offers concessions on all of their activities.

Since it is a RuPay-powered card, it provides greater security, faster payment processing, and exclusive discounts on Indian websites. It also gives free airport lounge privilege, fuel surcharge relief, and insurance protection, hence making it a complete financial solution.

What is the design of the Federal Bank RuPay Signet Credit Card?

Federal Bank RuPay Signet Credit Card is stylish and high-tech with a modern and minimalist look that looks elegant and sophisticated. The card comes in a dark blue and black color combination, making it professional and classy-looking. The Federal Bank logo features at the top left of the card, and the RuPay logo at the bottom right, indicating that it operates on the RuPay payments network.

The card further features a contactless payment logo, which allows users to make quick and safe payments by touching the card to a payment point. The front chip enhances security, which protects users from fraud. The look is minimalist yet classy, making the card handsome and easy to recognize.

What are the benefits of the Federal Bank RuPay Signet Credit Card?

Following are some key benefits with actual reward points:

1. Reward Points on Spend

• 3 reward points for each ₹100 of online spending.

• 2 reward points for each ₹100 in other categories.

• Reward points can be availed on gift vouchers, shopping, and booking travel.

2. Free Access

• 4 free domestic lounge access every year (1 per quarter).

• Enjoy a hassle-free ride with complimentary snacks, Wi-Fi, and lounging facilities.

3. Waiver of Fuel Surcharge

• 1% fuel surcharge refund on transactions between ₹400 to ₹5,000.

• Max. ₹100 saved per month on fuel costs.

4. RuPay Special Offers

• Reward discounts on dining, shopping, and travel at RuPay merchant partners.

• Cashback discounts on Amazon, Swiggy, and Zomato during RuPay festivals.

5. Insurance Protection

• Enjoy a cover of ₹2 lakh Personal Accident Insurance for protection.

• No liability cover for lost or stolen card.

6. Contactless Payments & Security

• The card features NFC (Near Field Communication) technology for tap-and-pay.

• Security of the EMV chip eliminates fraud and unauthorized transactions.

7. Easy EMI & Bill Payments

• Broke down large purchases into easy EMIs for straightforward financial planning.

• Pay the bill of your utility bills via the card and accumulate reward points.

8. Interest-Free Credit Period

• Avail up to 50 days’ interest-free credit for easier cash flows.

What are the fees for the Federal Bank RuPay Signet Credit Card?

Here is a simple Federal Bank RuPay Signet Credit Card fee breakup.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	3.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Federal Bank RuPay Signet Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Federal Bank RuPay Signet Credit Card?

The documents that you will have to submit to Get a Federal Bank RuPay Signet Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Federal Bank RuPay Signet Credit Card be used?

Here is the list of places where you can use it:

• With the Federal Bank RuPay Signet Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Federal Bank RuPay Signet Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Federal Bank RuPay Signet Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Federal Bank RuPay Signet Credit Card?

The credit limit of the Federal Bank RuPay Signet Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Federal Bank once you have made your application.

How do you apply for a Federal Bank RuPay Signet Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of Federal Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Federal Bank; for instance, you can choose the Federal Bank RuPay Signet Credit Card.

• Just hover your cursor on the Federal RuPay Signet Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Federal Bank branch to apply for the Federal RuPay Signet Credit Card.

• Request for the credit card application form for the Federal RuPay Signet Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Federal RuPay Signet Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Federal Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Federal Bank RuPay Signet Credit Card in 2025 be right?

Yes, getting a Federal Bank RuPay Signet Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Federal Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The Federal Bank RuPay Signet Credit Card is a wise and rewarding choice for anyone seeking to utilize a full portfolio of benefits on his/her everyday transactions. Be it shopping, traveling, dining out, or simply handling your monthly bills, the card provides useful rewards, cashback, and discounts that help you save.

Amongst one of its greatest features is that it works on RuPay, a faster transaction Indian payment network with better security, and special offers at merchants. The card gives 3 reward points for every ₹100 used to make spends online and 2 reward points for all the other spends, making the card ideal for frequent buyers. Also, the card offers free airport lounge access, fuel surcharge exemptions, and personal accident coverage, delivering both savings and financial protection.

For regular travelers, the 4 complimentary domestic airport lounge visits annually make it a great companion. The contactless payment option enables fast and secure transactions, while the interest-free credit period of up to 50 days assists in managing finances effectively. The convenient EMI conversion facility also prevents large purchases from burdening your budget.

Frequently Asked Questions (FAQ’s)