Federal Bank Debit Card – Complete 2025 Guide to Features, Types & Benefits

YouTuber Amber maintains his professional creativity alongside his responsibilities because he uses financial tools to manage his money and maximise revenue. These tools provide convenience, rewards, and savings options, which are crucial for Amber to maintain his lifestyle. 

The Federal Bank Signature Debit Card offers significant financial advantages and makes daily expenses convenient. In a recent conversation, Amber shared how the Federal Bank Signature Debit Card has transformed his financial journey:

“The Federal Bank Signature Debit Card has been a fantastic addition to my financial toolkit. Its features and rewards have made my life as a YouTuber more economical and hassle-free. This card aligns perfectly with my dynamic lifestyle, from saving on everyday expenses to enjoying exclusive perks”.

Amber defines how the Federal Bank Signature Debit Card is beneficial for him:

• I spent ₹15,000 on groceries, dining, and shopping. So, I earned nearly 150 reward points monthly and 1,800 reward points annually, which equates to ₹1,800.
  
  
• I watched movies in the cinema hall and on the OTT platform every month, and I saved ₹300 monthly and ₹3,600 annually.
  
  
• I saved ₹350 monthly on dining (annually ₹4,200).
  
  
• Also, I get free roadside assistance twice a year, which allows me to save ₹2,000 annually on emergency services.
  
  
• Regarding my ATM Fee Waiver, the Federal Bank Signature Debit Card helps me save ₹80 monthly and ₹960 annually. (Unlimited free withdrawal at Federal Bank ATMs and 5 free transactions per month at other banks’ ATMs).

Amber's Total Annual Savings Categories are:

• Reward Points: ₹1,800
• Entertainment Savings: ₹3,600
• Dining Discounts: ₹4,200
• Travel Benefits: ₹2,000
• ATM Fee Waiver: ₹960

Amber’s Total Savings are almost ₹12,560+ per year!

Top 5 Federal Bank Debit Cards for 2025

The table shows the Federal Bank's key features and limitations. It also presents the top five debit cards for 2025.

Key Takeaways:

• Premium Cards (Signature & Platinum) are best for frequent travellers, high spenders, and those seeking luxury perks like lounge access and high reward points.
• Mid-Range Cards (Classic & Women’s): Ideal for everyday users who want basic rewards and discounts without high fees.
• Rupay Select Card: Great for budget-conscious users who prefer Rupay network benefits and low-cost banking solutions.

Federal Bank Debit Card Eligibility

The process to obtain Federal Bank Debit Cards comes with obligatory requirements for qualification. Here are the standard qualifications that must be met for obtaining a Federal Bank Debit Card:

Additional Notes:

• Premium Cards (e.g., Signature/Platinum): May require a higher minimum balance or specific account types.
• NRI Debit Cards: NRIs must hold an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account with the Federal Bank.
• Prepaid Cards: Federal Bank also offers prepaid debit cards, which do not require a bank account but may have separate eligibility criteria.

Documents Required for Debit Card Application

• Identity Proof: Aadhaar, PAN, Passport, Voter ID, or Driving License.
• Address Proof: Aadhaar, Utility Bill, Passport, or Rent Agreement.
• Passport-sized Photograph: For offline applications.
• Account Details: Savings or current account number with Federal Bank.

How to Apply for a Federal Bank Debit Card

Offline Application:

Step 1: Visit the nearest Federal branch. You can find your nearest Federal branch with the help of their Branch locator.

Step 2: To initiate the application process, you request a credit card application from Federal Bank branches.

Step 3:  Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6:  When Federal Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official website of the Federal Bank and move your cursor to the “Personal” section.

Step 2: Select the “Debit Card” option.

Step 3: You will now see all Federal Bank Debit cards. Select one of your needs,  click here for the direct link.

(Disclaimer: Applying for a debit card online may not always work properly. If you face any issues after applying online, please call Federal Bank’s customer care immediately for help. Do not rely only on online steps. For a smooth process, contact customer care after submitting your online debit card application.)

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 7-14 working days).

Federal Bank Debit Card Customer Care Contact Details:

• Toll-Free Number: 1800 425 1199
• Toll-Free Number (NRI): 1800 102 9889
• Email: customercare@federalbank.co.in
• SMS Banking: Type "FED" and send to 56161600
• Branch Locator: Visit the Federal Bank Branch Locator

For 24/7 assistance, use the toll-free numbers or email for queries related to debit card blocking, activation, or complaints.

Federal Bank Debit Card Cash Withdrawal Limitations 

The Federal Bank has cash withdrawal limitations, but they vary according to your Debit Card. Here is the list:

Key Points:

1. ATM Withdrawals:
   • Unlimited free withdrawals at Federal Bank ATMs.
   • 5 free transactions/month at other bank ATMs (additional charges apply beyond this limit).
     
     
2. Transaction Limits:
   • Limits can be customised by contacting the bank or through the net banking/mobile app.
   • Higher limits may be available for premium debit cardholders.
     
     
3. Emergency Cash Withdrawal:
   • In case of lost/stolen cards, contact customer care to block the card and request emergency cash withdrawal (subject to approval).

For specific limits on your card, check your debit card terms or contact Federal Bank customer care at 1800 425 1199.

Federal Bank Debit Card Offers

Here are some of the latest Federal Bank Debit Card Offers across categories like dining, shopping, entertainment, and more. These offers are subject to change, so always check the bank’s official website or mobile app for the most up-to-date deals.

How to Avail Offers:
 

1. Online: Use your Federal Bank Debit Card on partner websites/apps and apply the promo code (if required).
2. Offline: Swipe your card at partner outlets and mention the offer to the merchant.
3. Reward Points: Accumulate and redeem points via Federal Bank’s rewards portal.

Important Notes:

• Offers are valid only on specific Federal Bank Debit Cards (e.g., Platinum, Signature, etc.).
• Always check the terms and conditions for minimum transaction amounts, caps, and validity periods.
• For more details, visit the Federal Bank Debit Card Offers page or contact customer care at 1800 425 1199.

How to Activate a Federal Bank Debit Card

Activating your Federal Bank Debit Card is a simple process. You can activate it through multiple methods, including ATM activation, net banking, mobile banking, or by visiting a branch. Here’s a step-by-step guide:

1. Activation via ATM

1. Visit any Federal Bank ATM.
2. Insert your debit card and enter the 4-digit PIN provided by the bank.
3. Perform a balance inquiry or mini statement.
4. Your card will be activated automatically after the first use.

2. Activation via Net Banking

1. Log in to your Federal Bank Net Banking account.
2. Go to the Debit Card Services section.
3. Select Activate Debit Card.
4. Enter your debit card details and follow the instructions to complete activation.

3. Activation via Mobile Banking (FedMobile App)

1. Download and log in to the FedMobile App.
2. Navigate to the Cards section.
3. Select Activate Debit Card.
4. Enter your card details and follow the on-screen instructions.

4. Activation via SMS

1. Send an SMS in the following format to 56161600:
   ACTIVATE <Last 4 digits of your debit card>

Example: ACTIVATE 1234

2.  You will receive a confirmation SMS once your card is activated.

5. Activation via Customer Care

1. Call Federal Bank’s 24/7 Customer Care at 1800 425 1199.
2. Follow the IVR instructions or speak to a representative to activate your debit card.
3. Provide the necessary details (e.g., card number, account details) for verification.

6. Activation at Branch

1. Visit your nearest Federal Bank branch.
2. Submit a debit card activation request at the customer service desk.
3. Provide your debit card and a valid ID proof for verification.
4. The bank executive will activate your card.

Important Notes:

• Ensure your mobile number is registered with the bank to receive OTPs and activation alerts.
• If you don’t have your PIN, you can generate it at a Federal Bank ATM or through net banking/mobile banking.
• For international usage, activate the international transactions feature via net banking or by contacting customer care.

How to Block a Federal Bank Debit Card

You can activate immediate card blocking on your Federal Bank Debit Card when you experience loss or theft or discover any form of compromise. Follow these next steps to block your Federal Bank Debit Card:

• 1. Block via FedMobile App
  • Log in to the FedMobile App.
  • Go to the Cards section.
  • Select Block Debit Card.
  • Choose the card you want to block and confirm.

2. Block via Net Banking

• Log in to your Federal Bank Net Banking account.
• Go to the Debit Card Services section.
• Select Block Debit Card.
• Choose the card and confirm the block request.

3. Block via SMS

• Send an SMS in the following format to 56161600:
  BLOCK <Last 4 digits of your debit card>
  Example: BLOCK 1234
• You will receive a confirmation SMS once the card is blocked.

4. Block via Customer Care

• Call Federal Bank’s 24/7 Customer Care at 1800 425 1199.
• Follow the IVR instructions or speak to a representative.
• Provide your debit card number, account details, and other required information for verification.
• Request to block your card.

5. Block at Branch

• Visit your nearest Federal Bank branch.
• Submit a debit card blocking request at the customer service desk.
• Provide your account details and a valid ID proof for verification.
• The bank executive will block your card.

Important Notes:

• After blocking, you can request a new debit card through net banking, mobile banking, or by visiting a branch.
• If you suspect fraudulent transactions, report them immediately to the bank for further investigation.

Steps to Reissue a Blocked Federal Bank Debit Card

1. Log in to Net Banking/Mobile App:
   • Go to Debit Card Services.
   • Select Reissue Debit Card.
     
     
2. Visit Branch:
   • Submit a reissue request form with ID proof.
     
     
3. Contact Customer Care:
   • Call 1800 425 1199 and request a reissue.
     
     
4. Receive New Card:
   • Collect from the branch or get it delivered to your address.
     
     
5. Activate New Card:
   • Use ATM, net banking, or mobile app to activate.

For assistance, visit Federal Bank or call 1800 425 1199.

Federal Bank FAQs

Q. How to activate a Federal Bank Debit Card?

Use an ATM, net banking, mobile app, SMS, or visit a branch.

Q. How to block a lost/stolen Federal Bank Debit Card?

Block via FedMobile App, net banking, SMS (BLOCK <last 4 digits> to 56161600), or call 1800 425 1199.

Q. What are the cash withdrawal limits for Federal Bank Debit Cards?

Daily limit: ₹25,000–₹50,000; monthly limit: ₹1,50,000–₹2,00,000 (varies by card type).

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