How to Apply for Federal Bank Credit Card: A Detailed Guide

As of May 2025, Federal Bank has 12,62,333 active credit cards, reflecting its growing presence in India’s competitive credit card market. In addition to its co-branded cards, the bank also offers a range of secured and unsecured credit cards designed to cater to customers across different income levels.

Let us explore the Federal Bank credit card online application process to help you apply for a card based on your needs and eligibility.

Quick Synopsis

• Federal Bank offers both secured and unsecured credit cards.
• The minimum age limit to apply for a secured card is 18 years, and for an unsecured card, it is 21 years.
• Both Indian residents and non-residents are eligible to apply for Federal Bank credit cards.

Federal Bank Credit Card Application Process

Here is the simple process for the Federal Bank credit card online application:

Step 1: Navigate to the credit card section on Federal Bank’s official website.

Step 2: Look through the available credit card options and their features.

Step 3: Click on ‘Apply Now’ on your chosen credit card.

Step 4: Enter your personal and financial details, as required, to fill in the online application form.

Step 5: Upload the supporting documents such as bank statement, identity proof, income proof and others.

Step 6: Click on the ‘Submit’ option once you review your application. 

Step 7: You will receive a confirmation message or email on your registered contact details. 

Step 8: If you are a ‘New to Bank’ customer, you might need to go through a vKYC process before application approval.

Step 9: Upon successful application approval, you will receive a virtual credit card immediately on your FedMobile, and the physical card will be mailed to you within the next few days.

Eligibility Criteria for Federal Bank Credit Card Online Application

Check your eligibility for the Federal Bank credit card online application here:

• If you are applying for a secured credit card, you need to be at least 18 years old.
• In case you are applying for an unsecured credit card, you should be at least 21 years old.
• Additionally, you need to have a good credit score.
• As an applicant, you can be either an Indian resident or a non-resident Indian.
• You can be a salaried or self-employed individual.

If you have a low or no credit score and want to build it over time, applying for a credit card against a fixed deposit is a smart choice. This option bypasses traditional credit score requirements and helps you establish a solid credit history. Check out the Stable Money app to explore available options today!

Documents Required for Federal Bank Credit Card Online Application

• Identity proof such as PAN card, driving license, Aadhaar card, passport, Voter’s ID, Person of Indian Origin card, Overseas Citizen of India card, NREGA-issued job card, UIDAI-issued letters and others.
• Address proof such as Aadhaar card, passport, driving license, utility bill not more than 3 months old, property registration document, ration card, PIO card, NREGA-issued job card, bank statement and others.
• Income proof such as latest salary slips not more than 3 months old, bank statement for the last 3 months, ITR (Income Tax Return), Form 16 and others.

Benefits of the Federal Bank Credit Card

• You can earn up to 10x reward points, which you can redeem for several products and services, like hotel and flight ticket bookings.
• As a cardholder, you can earn cashback on transactions made using a Federal Bank credit card.
• You can avail fuel surcharge waiver at different petrol pumps to maximise your savings.
• Certain Federal Bank credit cards offer airport lounge access at over 700 airports, which is an added benefit of using these cards.
• Federal Bank credit cards often offer contactless payments for faster and safer transactions.
• You can convert your transactions into EMI (Equated Monthly Instalments) for convenient and seamless bill payment. 

Final Words

The Federal Bank credit card online application process is seamless and simplified. You can avail a virtual as well as a physical card on application approval. Ensure you use the card efficiently to avoid paying interest on overdue bill amounts. 

If you want to avail a credit card against a fixed deposit, consider booking your FD with Stable Money–partnered banks and NBFCs, offering attractive interest rates of up to 8.50% per annum. It is a great way to build your credit while earning steady returns.