Federal Bank Imperio Credit Card VS Federal Bank RuPay Signet Credit Card VS Federal Bank RuPay Wave Credit Card VS Federal Bank StarBiz Visa Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Federal Bank Imperio Credit Card
Federal Bank RuPay Signet Credit Card
Federal Bank RuPay Wave Credit Card
Federal Bank StarBiz Visa Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy a lifetime free credit card with no joining or annual renewal fees.
Earn accelerated reward points on essential family spends like groceries and utilities.
Benefit from complimentary domestic airport lounge access for comfortable travel.
Get Buy One Get One offers on INOX movie tickets, perfect for entertainment.
Receive valuable Big Basket vouchers upon reaching quarterly spending milestones.
Pros
Key benefits and features.
Offered as a lifetime free credit card with zero joining and annual fees.
Available on Visa & RuPay networks; RuPay variant links to UPI for digital payments.
Offers welcome benefits, milestone rewards, movie offers, and domestic lounge access.
Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Pros
Key benefits and features.
Enables easy, seamless, and rewarding UPI payments for everyday transactions.
Lifetime-free with zero joining and annual charges, offering great value.
Offers 10% cashback on initial UPI transactions, up to a maximum of ₹200.
Provides reward points on all spends and attractive milestone bonuses annually.
Pros
Key benefits and features.
Seamlessly integrates with your existing Federal Bank OD/CC account for business finances.
Enjoy high daily usage limits of up to ₹3 lakhs, ideal for diverse business expenditures.
Simplifies financial management by reflecting all transactions in your linked OD/CC account.
Benefits from advanced security features like tokenization, ensuring secure business transactions.
No late payment fees, as repayment is managed directly through the underlying OD/CC account.
Cons
Key drawbacks and limitations.
A nominal convenience fee of ₹99 is charged for each reward redemption request.
The card has a relatively high foreign currency markup of 3.5% on international spends.
Interest rates are dynamic and can be as high as 45% p.a. based on AMB.
Lounge access is limited to domestic airports only, with no international benefits.
Specific dining and general travel benefits beyond lounge access are not detailed.
Cons
Key drawbacks and limitations.
Does not offer complimentary international airport lounge access.
Lifestyle perks are somewhat limited beyond the BOGO movie offers.
Reward rate is decent but not extraordinary compared to other lifetime free cards.
Cons
Key drawbacks and limitations.
The Federal RuPay Wave Credit Card is exclusively available to existing Federal Bank cardholders.
Credit limit is shared with your primary Federal Bank card, not an independent limit.
High foreign currency markup of 3.5% makes international spending less attractive.
A redemption fee of ₹99 applies when you redeem your accumulated reward points.
Lacks premium benefits like lounge access, golf, travel, dining, or movie discounts.
Cons
Key drawbacks and limitations.
This card is not designed for rewards, cashback, or lifestyle benefits.
Exclusively available to existing Federal Bank OD/CC account holders.
Eligibility is restricted to individuals and sole proprietors under the MSMED Act.
Requires a physical application at a Federal Bank branch, no online application.
No specific international spend benefits or low foreign currency markup mentioned.