Federal Bank RuPay Signet Credit Card

Federal Bank · Lifetime free

A free RuPay card that links to UPI, with 3-2-1 rewards.

What the bank says

• Can be linked to a UPI ID
• 3X rewards on electronics and apparel, 2X on entertainment and 1X on everything else
• No membership fee and no joining fee
• 1 domestic lounge visit in a quarter after spending ₹20,000 in the previous quarter
• Personal accident cover of ₹2 lakh and 24x7 concierge

Things that catch people out

• Federal Bank’s page does not say how many points a rupee earns or what a point is worth, so the multiples cannot be turned into rupees and the card is not ranked.
• The page says the card works on UPI but does not say UPI payments earn rewards, so we count none.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: 4 a year
• Minimum income: not published

Read from Federal Bank’s own page on 2026-09-30.

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