About test

The test is a standard-tier reward points credit card issued by Federal Bank on the VISA network. It is a lifetime free card with no annual or joining fee.

Best For

person_addFirst-time cardholders

Pros & Cons

thumb_upPros

check_circleLifetime free — no annual fee ever

thumb_downCons

cancelForeign transaction fee applies on overseas spends
cancelPoints redemption catalog may limit flexibility

Fees & Charges

Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Federal Bank website.

Annual Fee	Lifetime Free
Forex Markup	As per issuer schedule
Interest Rate (APR)	Refer to KFS
Late Payment Charges	Refer to KFS
Cash Advance Fee	Refer to KFS

Eligibility & Documents Required

Eligibility Criteria

checkAge: 18–70 years (primary cardholder)
checkMinimum annual income: As per bank norms
checkCIBIL score: 750+ recommended
checkEmployment: Salaried or self-employed Indian resident

Documents Required

descriptionPAN Card (mandatory)
descriptionAadhaar / Passport / Voter ID (address proof)
descriptionSalary slips — last 3 months (salaried)
descriptionLatest ITR or Form 16 (self-employed / salaried)
descriptionBank statements — last 3 months
descriptionPassport-size photograph

Frequently Asked Questions

Common questions about test.

Ready to apply for test?

Apply directly on the Federal Bank website. Most decisions within 7–10 working days.

Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.

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