What Federal Bank offers on credit cards, and how it compares with every other provider we track.
Federal Bank cards we review
- Scapia Federal Bank Credit Card — annual fee nil · 3% effective return
Updated 15 Aug 2026 · Issuer fee schedules and product pages
What moves this rate
Card issuer. We hold its card catalogue but no lending or deposit rates, so this microsite covers cards only. For rate tables across every lender we track, start at every rate table.
We rank cards by a published formula, never by preference or by what pays us — see the methodology page. The reward rate shown is a realistic blended return, not the boosted headline rate that only applies to a few categories; the credit card reward value calculator works out what your own spending pattern would actually earn.
Check the annual fee first, against the spending needed to waive it. A card is only free if you were going to spend that much anyway. Otherwise the waiver target costs you more to reach than the fee itself. On a card with no annual fee at all, that test disappears and the reward rate is the whole argument.
Federal Bank credit cards in detail
Every Federal Bank card we review, ranked on what they actually return, is on the full Federal Bank card comparison. With a single card in the catalogue, the more useful comparison is across issuers — the best cashback credit cards apply the same formula to every card we score.
Terms change without notice. Confirm the current figures with Federal Bank before you act.