Debit cards are one of the easiest ways that enable bank-to bank transactions 100% securely. Federal Bank, a private sector bank, offers various types of debit cards to suit the varying needs of its wide customer base. Let’s dig in to know all about Federal Bank debit card.
Types of Federal Bank Debit Cards
There are currently 9 types of Federal Bank debit cards under VISA, MasterCard and RuPay. These are:
Federal Bank VISA Debit Cards
There are 4 Federal Bank debit cards offered in association with VISA, viz.:
Visa Celesta Contactless Debit Card
- For those having Federal Bank Celesta Savings Account
- Annual Maintenance Charges waived if annual spends go beyond Rs 2 lakhs
- Daily shopping limit: Rs 6 lakhs
- Daily ATM withdrawal limit: Rs 1 lakh
- Contactless payments (No PIN required) for transactions up to Rs 5,000
- 15% discount on food and dining payments
- Airport lounge access
Visa Imperio Contactless Debit Card
- Annual Maintenance Charges waived if annual spends go beyond Rs 1 lakh (on E-Com./POS)
- Daily shopping limit: Rs 4 lakhs
- Daily ATM withdrawal limit: Rs 1 lakh
- Domestic airport lounge access – twice annually
- Can be upgraded to higher variant (as per eligibility)
Visa Crown Contactless Debit Card
- Daily shopping limit: Rs 2 lakhs
- Daily ATM withdrawal limit: Rs 50,000
- Contactless payments (No PIN required) for transactions up to Rs 5,000
- Guaranteed 15% off in food and dining spends
- Debit card offers on Amazon, Flipkart, BigBasket and more
- 1 reward point on every Rs 100 spent
Visa FedFirst Contactless Debit Card
- For minors having FedFirst Federal Bank savings account
- Daily shopping limit: Rs 10,000
- Daily cash withdrawal limit: Rs 2,500
- 24×7 customer care assistance
- No Annual Maintenance Charges (if spends limit to Rs 10,000 annually)
- 1 reward point on every Rs 200 spent
Federal Bank MasterCard Debit Cards
There are 3 Federal Bank debit cards offered in association with MasterCard, viz.:
MasterCard Celesta Contactless Debit Card
- For those having Federal Bank Celesta Savings Account
- Daily shopping limit: Rs 6 lakhs
- Daily cash withdrawal limit: Rs 1 lakh
- Complementary International airport lounge access (4 times per year)
- Complementary Domestic airport lounge access (8 times per year)
MasterCard Imperio Personal Contactless Debit Card
- For those having Imperio, Fed Smart or BeSpoke Federal Bank savings account
- Daily shopping limit: Rs 3.5 lakhs
- Daily cash withdrawal limit: Rs 75,000
- Contactless payments (No PIN required) for transactions up to Rs 5,000
- Overdraft facility up to Rs 1 lakh (T&Cs)
- 1 reward point on every Rs 100 spent
MasterCard Crown Contactless Debit Card
- Daily shopping limit: Rs 2.5 lakhs
- Daily cash withdrawal limit: Rs 50,000
- No need for PIN on transactions up to Rs 5,000
Federal Bank RuPay Debit Cards
There are 2 Federal Bank debit cards offered in association with RuPay, viz.:
RuPay Crown Debit Card
- Domestic RuPay debit card by Federal Bank
- Daily shopping limit: Rs 2 lakhs
- Daily cash withdrawal limit: Rs 25,000
- 1 reward point on every Rs 200 spent
- Contactless transactions for up to Rs 5,000 (No PIN needed)
RuPay Platinum Contactless Debit Card
- International RuPay debit card by Federal Bank
- Daily shopping limit: Rs 3 lakhs
- Daily cash withdrawal limit: Rs 50,000
- Free domestic lounge access (2 per quarter)
- Free international lounge access (2 per annum)
- Personal Accident Insurance up to Rs 2 lakhs
How to Apply for Federal Bank Debit Card?
When you open a Federal Bank savings account, current account or OD account, you are offered with a suitable debit card as per your eligibility. This simply means that there’s no requirement for separate Federal Bank application process. However, if you wish to upgrade your current debit card, you may go to the Federal Bank Forms page and download the appropriate from there. Then, submit this form at your nearest Federal Bank branch along with required documents.
Documents Required for Federal Bank Debit Card Application
The following list of documents is required when you’re applying for a new Federal Bank debit card:
- PAN Card
- Aadhaar Card (if you wish to avail of govt. subsidies & schemes)
- Address Proof
- Passport-sized photograph in colour
- Self-attested signature
How to Check Account Balance using Federal Bank Debit Card?
Using your Federal Bank debit card, you can easily check your Federal Bank balance by going to any nearby ATM. Just insert your debit card, go for balance enquiry and enter your Federal Bank debit card PIN. Your balance will be displayed on the ATM screen. You may also opt for a print of the same.
How to Make Payments via Federal Bank Debit Card?
When you’re processing a payment at an E-Commerce website, opt for debit card payment and add your federal Bank debit card details. Once done, you’ll receive an OTP on your registered mobile number. Enter this OTP in the space provided to complete payment.
When using your Federal Bank debit card at an POS machine, simply swipe or chip-in your debit card, enter the amount to be transferred and your debit card PIN. If the amount is of Rs 5,000 or less, you may opt for contactless transaction as well.
Federal Bank Debit Card: FAQs
Yes. Federal Bank offers its FedFirst debit card for minors having a FedFirst savings account.
Yes. Visa Celesta Contactless Debit Card and Visa Imperio Contactless debit cards come with no annual maintenance charges if the annual spends exceed Rs 2 lakhs. Also, for FedFirst debit card, there is no AMC.
There are zero ATM charges when using Federal Bank debit card at any Federal Bank ATM. But when using it at other bank’s ATM, non-financial transactions will attract Rs 21 per transaction and financial transactional transactions will be levied with Rs 11 per transaction.
There are no annual charges for Fed Card and Federal Bank Kisan card. Annual charges range from Rs 250 to Rs 500 per year for other Federal debit cards.
Rs 150 are charged when issuing a duplicate Federal Bank debit card.
