Federal Bank CC Application Experiernce

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Deal Newbie
KacchaLimbu

Federal Bank CC application Experience! 😕

One of the worst, applied twice rejected both times with reason, I don't meet the criteria.
When asked about which specific criteria they just give lame answers?

below things didn't help me get even basic cards


1.780+ CIBIL (they told they don't check this for eligibility😆?)

2.FD worth 35K

3.Fi-federal Infinite Plus Bank ACC

4.2.5 Year + Credit History without any remarks

5.Primium CC from Multiple Other Banks


What Else do you guys think they check? or it's just the plain stupid systems?

I was only interested in their CELESTA CC, but now looking at their reply to mails, it doesn't feel it's good bank with

is it good idea to close the Fi Account and FD with them?


their mail reply to my grievance mail. the reply takes 3-4 days, and all are lame.

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"Thank you for writing to us and expressing your interest in availing Federal Bank Credit card. We regret to inform you that we are currently unable to process your request for new Federal Bank Credit card as the details furnished by you do not meet the eligibility criteria set in our internal policies for issuance of credit card. Your Federal Bank Credit card application has been rejected accordingly.
When a customer applies for a credit card, our system verifies all their information, including their credit history, demographics, income, and other internal checks. "

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19 Comments  |  
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I've heard of people being rejected if they hold a Fi account. I thought it was only co branded cards. DO you have any such hidden relation with Federal?

Deal Newbie Deal Newbie
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I have a Fi Account it’s not hidden I have mentioned this to them via mail as well😬

Helpful Helpful
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have fi account, tried for federal core cards,

for many moths it just showed no offer available but last month when i checked it worked

limit matched with highest credit limit available among my other cards

got option to chose all federal cards, i chose celesta

instant card generation and card showed in federal app within 5 mins

my advice is just keep checking for card offer every month, as in my case eventhough i fulfill each and every criteria still they didn't show any offer for me for months but then all of sudden i got it

Deal Newbie Deal Newbie
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Thanks!😃

I have tried twice till now. first time in Oct and in Feb.
If I'm not wrong, they have cooldown period of 3 months before you can check again.
So currently it shows offer unavailable.

By the way may I ask 
how did you get eligible for CELESTA, I was also looking for the same.
and What's your Eligibility looks like CIBIL score and Income/month?
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Deal Lieutenant Deal Lieutenant
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5.Primium CC from Multiple Other Banks

This is the reason

Deal Newbie Deal Newbie
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really? how does it matter?
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Savings Mentor Savings Mentor
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Everyone who has got Federal cards easily is salaried. For self-employed, they are a hostile, terrible bank and don't approve

Deal Newbie Deal Newbie
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I'm salaried. with above 80k , but dont have salary account with Federal though. 
Deal Cadet Deal Cadet
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I got federal last month pre approved for some reason it didnt ask any documents or employee data details ,im self employed also i used to hold fi last year march i tried to apply for federal i got rejected some other reasons i closed fi and few months later i applied for federal this time it got approved

Deal Newbie Deal Newbie
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How long you are having Fi ? It’s just been 2 month for mine

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Blaze Blaze
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Same happened to me also.
Later I applied for my wife, has not strong cibil, (recently Amazon ICICI card approved with 70k), celesta card approved instantly with 3.2L limit......😜

Deal Newbie Deal Newbie
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Strange 😢 plz update in case you get approved in near time

Helpful Helpful
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OneCard owners are not eligible.

Last time when I had tried to apply, it was showing no offers available & now it's showing "You are already availing the services of Federal Bank Credit Card"...

Even though Federal Bank card's offers don't apply to the OneCard. For example, on Swiggy, I can't use Federal Bank CC offers on OneCard.

Deal Newbie Deal Newbie
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I don’t own any card from Federal or their cobranded cards like one card , still it shows no offers , in the FI App It shows eligible for Amplifie card but I don’t need it

Comrade Comrade
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Showing  pre-approved offers for 3 cards, which is best to apply? It says life time free is it?
1) Signet 2) Imperio 3) Celesta

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