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Credit Cards · India

Federal Bank Signet Credit Card

Updated 3 Jul 2026Source-linked

The Federal Bank Signet Credit Card is a mid credit card from Federal Bank, with a joining fee of ₹750 + GST.

It earns up to 6 pts per ₹150 (≈0.8% value) on international spend spends in the form of reward points (points).

Cardholders get 4 annual domestic airport lounge access, plus amazon pay e-voucher worth ₹200 as a welcome benefit.

Federal Bank logo
Federal Bank Signet Credit Card
Visa logo
  • Joining Fee₹750
  • Annual Fee₹750
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 6 pts per ₹150 on international spend
  • Base 0.40% on other spends
Welcome Benefits
  • Amazon Pay e-Voucher worth ₹200
Data verified 3 Jul 2026 — see our methodology
Federal Bank logoFederalVisa logoplatinummid
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Rewards and Benefits

Rewards Rate
6 pts per ₹150 on international spend
Base 0.40% on other spends.
Reward Redemption
FedRewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon Pay e-Voucher worth ₹200
Milestone Rewards
  • ₹20,000 / quarterly: Vouchers on quarterly spend of ₹20,000
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Groceries₹8,000 · 0.4% = ₹32/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹32/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
  • Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹2,208/yr

₹2,208 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • mid card issued by Federal Bank.
  • Joining / annual fee of ₹750 + GST, waived on annual spends of ₹2,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹2,00,000 spend.
  • Complimentary domestic airport lounge access (4/annual).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹200 welcome benefit

  • Amazon Pay e-Voucher worth ₹200
    Spend ₹3,000 within first 30 days
    Window: 30 days from issuance.

Accelerated rewards

  • 6 pts per ₹150 on international spend

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹20,000 / quarterly: Vouchers on quarterly spend of ₹20,000 (≈ ₹250 value)

Airport lounge access

Domestic
4 visit(s) / annual. Via visa.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsmidlow forexpoints