Federal Bank Credit Card Eligibility – Requirements & Approval Criteria

Key Takeaways
 

• The Federal Bank offers various kinds of credit cards to you. Some of its popular cards include Rupay Signet, Rupay Wave, Mastercard Imperio, Mastercard Celesta, Visa Imperio, or Visa Signet.
   
• The Federal Bank credit card eligibility parameters generally include your income, occupation, age, nationality, credit score, and documentation. 
   
• If you are opting for a Federal bank Secured Credit Card, then you need to have a minimum monthly income of ₹25,000.

Federal Bank credit card eligibility defines who can apply for a credit card and what requirements must be met to qualify. It helps the bank ensure that applicants have a stable financial background and the ability to repay.

For instance, if Ankit earns ₹45,000 per month and maintains steady expenses, he may qualify for a Federal Bank lifetime free credit card with a limit of ₹1,00,000.

However, if his salary were ₹25,000, the limit might have been reduced to around ₹60,000. This shows how income directly impacts your eligibility and limit.

Through this blog, you will learn more about Federal Bank credit card eligibility requirements.

Federal Bank Credit Card Eligibility Parameters

The Federal Bank evaluates eligibility through multiple parameters. Each of them carries equal importance.

Age

The Federal Bank credit card eligibility age starts from 18 years to apply for a Secured Federal Credit Card. However, if you wish to apply for an Unsecured Federal Credit Card, then Federal Bank credit card eligibility age starts from 21 years. 

A Secured Federal Credit Card means that your Federal Bank lifetime free credit card will be linked to a fixed deposit.

Minimum Income Required

Income is one of the strongest eligibility factors. The higher your salary, the better your credit limit and approval chances. 

Federal Bank credit card eligibility minimum salary varies. However, the following table gives you a general idea about the Federal Bank credit card eligibility minimum salary:
 

Your income plays a crucial role in the card type offered to you. If you have a higher income, then you will be eligible for premium credit cards provided by the Federal Bank.

Occupation

Both salaried and self-employed individuals can apply for a Federal Bank credit card. Generally, you need to provide the following documents to prove your income stability:
 

If you have a stable occupation, then it improves eligibility and boosts the chances of getting a higher credit limit.

Serviceable Cities

The Federal Bank issues credit cards in most major cities and towns. You must reside in an area where the bank provides card services. So that the bank can do verification easily, and you will also get easy access to customer support.

Documentation

For Federal Bank credit card eligibility requirements, you might need to provide some documents, like:
 

If you have the proper documents, then it improves your chances of getting a Federal bank credit card.

Nationality

If you want to apply for a Federal Bank credit card, then you need to be an Indian resident or a Non-resident Indian (NRI). However, Non-Resident customers are not eligible for a Secured Credit Card.

Federal Bank Credit Card Eligibility For Salaried & Self-Employed

Both salaried and self-employed individuals can apply if they meet the Federal Bank credit card eligibility age and minimum salary requirements. The following table lists the details of Federal bank credit card eligibility:
 

Federal Bank verifies income consistency before approval. If your credit score is slightly low, you can start with a secured credit card and later upgrade. 

However, the minimum income requirement criteria is not the same for everyone. It varies depending on the type of card you apply for.

Bonus Tip: Do you know that Federal Bank was honoured as the “ESG Champion of India 2025” by Dun & Bradstreet? This shows the Federal Bank’s strong commitment to ethical governance and sustainable business practices.

Federal Bank Credit Card Eligibility For Popular Cards

The Federal Bank offers different types of credit cards; each card comes with its own eligibility criteria. The following table shows the details for some of the popular ones:
 

These options ensure that every income group finds a suitable card matching their spending pattern.

Tips To Improve Eligibility For Federal Bank Credit Card

If you improve your eligibility, then it not only increases approval chances but also helps you secure better credit limits. The following are some tips you can follow to improve your Federal Bank credit card eligibility:

1. Maintain a good credit score: Always pay bills on time and avoid high credit utilisation.
    
2. Show stable income: Regular income deposits reflect financial discipline.
    
3. Avoid multiple applications: Too many applications can affect your score.
    
4. Keep documents updated: Ensure address and income details are current.
    
5. Start with a secured card: It helps you build a credit record with minimal risk.
    

These small steps can make a big difference in qualifying for your desired Federal Bank lifetime free credit card or premium variant.

Conclusion

Federal Bank credit card eligibility requirements are designed to ensure responsible usage while providing flexibility for different income levels. 

As long as you meet the basic factors like age, income, and credit score, you can qualify easily, no matter if you are salaried, self-employed, or starting with a secured card.

FAQs

1. What is the minimum salary to get a Federal Bank credit card?

Usually, you need a monthly income of around ₹20,000 to ₹25,000, depending on whether the card is secured or unsecured.

2. Can I get a Federal Bank credit card if my CIBIL score is below 700?

If your score is slightly below 700, you can start with a secured card linked to an FD and later upgrade once your score improves.

3. Is there any Federal Bank lifetime free credit card without annual charges?

Yes, Federal Bank offers lifetime free credit cards (like Rupay Signet, Rupay Wave, Mastercard Imperio, Mastercard Celesta, etc.), especially for those applying against a fixed deposit or under special bank offers.

4. Can I apply for a Federal Bank credit card without a salary slip or ITR?

Yes, you can apply for a secured credit card using a fixed deposit as proof of income instead of salary slips or ITR.

5. What is the minimum age for getting a Federal Bank credit card?

You must be at least 18 years old for a secured card and 21 years old for an unsecured one.

6. Can self-employed or business owners apply for Federal Bank credit cards?

Yes, self-employed applicants can apply by submitting business registration documents and ITR proof.

7. Can I get a Federal Bank credit card against a fixed deposit (FD)?

Yes, you can easily get a secured Federal Bank credit card by placing a fixed deposit of at least ₹25,000.
 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.