Federal Bank · Entry
Paisabazaar Paisaback
Where it ranks across all 187 cards
#2 Groceries
7.5%
direct
#64 Gaming
1.0%
direct
#69 Mobile / broadband
1.0%
direct
#76 Train tickets
1.0%
direct
#80 Cabs & transit
1.0%
direct
#84 Other
1.0%
direct
#85 Health & pharmacy
1.0%
direct
#88 Electronics
1.0%
direct
#94 Hotels
1.0%
direct
#95 Flights
1.0%
direct
#97 Online shopping
1.0%
direct
#98 Food delivery
1.0%
direct
#98 Fashion
1.0%
direct
#99 Movies & events
1.0%
direct
#106 Dining out
1.0%
direct
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Reward rules4 direct
Base rate - everything not covered below
0.00%base rate
0% cashback
source
Source: Federal Bank - Paisabazaar Federal Cobranded Credit Card - federal.bank.in - read 1 Oct 2026
7.5% on grocery (MCC 5411)
7.50%this rule
7.5% cashback
source
Source: Federal Paisabazaar Co-branded Credit Card - Cardholder Agreement - federal.bank.in - read 1 Oct 2026
0.5% on UPI spends above Rs 2,000 (not grocery, fuel or travel)
0.50%this rule
0.5% cashback
source
Source: Federal Paisabazaar Co-branded Credit Card - Cardholder Agreement - federal.bank.in - read 1 Oct 2026
1% on card spends in store and online
1.00%this rule
1% cashback
source
Source: Federal Paisabazaar Co-branded Credit Card - Cardholder Agreement - federal.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
EMI, Utility bills, Fuel, Insurance, Rent, Wallet load, Education, Jewellery & watches, Government / tax · FASTag recharge, IRCTC (train tickets)
earns nothing
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
categories: EMI, Utility bills, Fuel, Insurance, Rent, Wallet load, Education, Jewellery & watches, Government / tax · merchants: FASTag recharge, IRCTC (train tickets)
Source: Federal Paisabazaar Co-branded Credit Card - Cardholder Agreement - federal.bank.in - read 1 Oct 2026