Federal Bank · Entry · lifetime free
Signet
Where it ranks across all 187 cards
#150 Electronics
0.4%
direct
#156 Fashion
0.4%
direct
#169 Movies & events
0.3%
direct
#79 EMI
0.1%
direct
#97 Education
0.1%
direct
#99 Insurance
0.1%
direct
#114 Utility bills
0.1%
direct
#134 Jewellery & watches
0.1%
direct
#137 Gaming
0.1%
direct
#150 Mobile / broadband
0.1%
direct
#166 Train tickets
0.1%
direct
#170 Cabs & transit
0.1%
direct
#171 Groceries
0.1%
direct
#177 Dining out
0.1%
direct
#177 Flights
0.1%
direct
#177 Hotels
0.1%
direct
#177 Health & pharmacy
0.1%
direct
#177 Other
0.1%
direct
#179 Online shopping
0.1%
direct
#180 Food delivery
0.1%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.13%base rate
1 pt / ₹200
source
Source: Federal Bank - Visa Signet Credit Card - federal.bank.in - read 1 Oct 2026
3 pts / Rs 200 on electronics & apparel
0.38%this rule
3 pts / ₹200
source
Source: Federal Bank - Visa Signet Credit Card - federal.bank.in - read 1 Oct 2026
2 pts / Rs 200 on entertainment
0.25%this rule
2 pts / ₹200
source
Source: Federal Bank - Visa Signet Credit Card - federal.bank.in - read 1 Oct 2026
Base rate, but capped1
Base rate on insurance spends, capped monthly
base rate
source
Source: Federal Bank Credit Cards MITC - 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 on4 exclusions
Fuel, Government / tax
earns nothing
Fuel and Government Services MCCs earn no reward points.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel, Government / tax · MCCs: 5541, 7983, 5172, 5542, 9399, 4784, 9311, 9222, 9402, 4011, 9405, 9211
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Wallet load
earns nothing
E-wallet loading (and cash transactions) earn no reward points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Rent
earns nothing
Rent payments earn no reward points.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Financial institutions - merchandise and services, Quasi-cash - foreign currency, money orders, crypto +1 more
earns nothing
Financial institution and quasi-cash transactions earn no reward points.
→ use Axis Burgundy Private here (6.4%)
detail & source
MCCs: 6012, 6051, 6050
Source: Federal Bank Credit Cards MITC - federal.bank.in - read 1 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.