Issuer · 3 cards · updated 2026-09-19

Federal Bank credit cards, ranked

Every Federal Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.

Best Federal Bank credit card (Sept 2026): Scapia Federal Bank – score 47/100, ₹5,573 net a year for the standard profile; Celesta is next. 3 Federal Bank cards on CardLens: 1 lifetime free, 2 with lounge access.

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 Federal Bank cards

Federal Bank× ScapiaVisa

Scapia Federal Bank

Net savings₹5,573/yr

Savings rate1.7%

Annual feeFree for life

Lounge✈∞ dom

✓ Base rate 2% on other spends earns you about ₹4,133 a year on ₹2,06,640 of spend.

Details

Federal BankVisa

Celesta

Net savings−₹773/yr

Savings rate-0.2%

Annual feeYou pay ₹3,540

Lounge✈8 dom🌏4 intl

✓ Base rate 0.75% on other spends earns you about ₹1,233 a year on ₹1,64,400 of spend.

Details

Federal BankVisa

Imperio

Net savings₹2,668/yr

Savings rate0.8%

Annual feeWaived ~~₹1,179~~

Lounge✈ none

✓ 3X on dining, groceries, travel earns you about ₹1,642 a year on ₹1,09,440 of spend.

Details

All 3 Federal Bank cards

Federal Bank credit cards ranked
#	Card	Score	Net savings / yr	Type	Annual fee	Lounge
1	Scapia Federal BankFederal Bank	47/100	₹5,573 1.7% rate	Travel · 0% forex	Free for life	unlimited domestic/yr
2	CelestaFederal Bank	36/100	−₹773 -0.2% rate	Premium · 3.5% forex	You pay ₹3,540	8 domestic + 4 international/yr
3	ImperioFederal Bank	33/100	₹2,668 0.8% rate	Entry-level · 3.5% forex	Waived ~~₹1,179~~	No lounge access

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

Compare Federal Bank cards

Pick your own →

Other banks

HDFC Bank Axis Bank ICICI Bank SBI Card American Express HSBC IDFC FIRST Bank Kotak Mahindra Bank Bank of Baroda IndusInd Bank AU Small Finance Bank Yes Bank RBL Bank Standard Chartered Punjab National Bank OneCard Uni DBS Bank CSB Bank

Frequently asked questions

Which Federal Bank credit card is best?

For the standard ₹32k/month profile, Scapia Federal Bank scores highest (47/100, ₹5,573 recurring net savings), ahead of Celesta (36). Your own spend can change the order – use Find My Card.

Which Federal Bank credit card is lifetime free?

Scapia Federal Bank is lifetime free on CardLens data.

Which Federal Bank credit card gives airport lounge access?

Scapia Federal Bank (Unlimited domestic, needs ₹10,000/month); Celesta (8 domestic).