Federal Bank credit cards we compare
2 Federal cards side by side, and which one suits each kind of spend. Facts from Federal's own pages.
2 cards · last verified 19 Oct 2026 · how we compare
All Federal cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| OneCard (One Credit Card)1 reward point per ₹50 spent (fractions count), and 5 times the points in your top 2 spend categories each month if you spend at least ₹750 in each of 3 categories. Points never expire while the card is used at least once a year and can pay off recent purchases in the app with no fee. The bank doesn't publish what a point is worth in rupees. No points on fuel, rent, wallet loads, money transfers, cash, merchant EMIs, or bills and utilities. | Lifetime free | – | No | None | Lifetime free, Self-employed, Zero forex, Students and beginners | View on OneCard siteIssuer's site. We don't earn from this card. |
| Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend. | Lifetime free | 2% | Yes | Unlimited domestic | Lifetime free, UPI and RuPay, Self-employed, Travel and lounges, Zero forex, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
Base rate is the value back on everyday spends at Federal's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which Federal card for which spend
- Lifetime freeScapia Federal Bank Credit Card (Visa + complimentary RuPay)Lifetime free · #1 of 23 cards we compare · see all lifetime free cards
- UPI and RuPayScapia Federal Bank Credit Card (Visa + complimentary RuPay)1% on UPI · #11 of 30 cards we compare · see all UPI and RuPay cards
- Self-employedOneCard (One Credit Card)Lifetime free · #9 of 32 cards we compare · see all self-employed cards
- Travel and loungesScapia Federal Bank Credit Card (Visa + complimentary RuPay)4% on travel · #3 of 24 cards we compare · see all travel and lounges cards
- Zero forexScapia Federal Bank Credit Card (Visa + complimentary RuPay)4% on travel · #1 of 14 cards we compare · see all zero forex cards
- Airport lounge accessScapia Federal Bank Credit Card (Visa + complimentary RuPay)Unlimited domestic · #7 of 38 cards we compare · see all airport lounge access cards
- Students and beginnersOneCard (One Credit Card)Lifetime free · #4 of 5 cards we compare · see all students and beginners cards
Self-employed?
Federal says self-employed people can apply for OneCard (One Credit Card) and Scapia Federal Bank Credit Card (Visa + complimentary RuPay). Details are on each card's page and on our self-employed cards page.
Compare side by side
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which Federal credit card is lifetime free?
Among the Federal cards we compare: OneCard (One Credit Card) and Scapia Federal Bank Credit Card (Visa + complimentary RuPay). They charge no joining or annual fee in Federal's fee schedule.
Which Federal credit card works on UPI?
Scapia Federal Bank Credit Card (Visa + complimentary RuPay). It's a RuPay card, so it can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which Federal credit card gives airport lounge access?
Scapia Federal Bank Credit Card (Visa + complimentary RuPay) (Unlimited domestic). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for a Federal credit card?
Federal doesn't publish a minimum income for these cards; approval depends on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from Federal's own pages and terms, last verified 19 Oct 2026. It may not be every Federal card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.