Smart Key Chain Flash Pay

Features & Benefits

Federal Bank On The Go smart payment solution, The Flash Pay – Smart Key Chain is designed to ensure expedient and seamless contactless payments with just a tap on the device to meet the demands of our evolving customers. Customers can make payments on-the-go of up to INR 5,000/- without any PIN while shopping on any PoS machines enabled for contactless payments making it extremely convenient for the customers.

Flash Pay is a type of payment instrument which is linked to your Bank Account and can be used to carry out contactless transactions similar to a Debit Card’s ‘Tap and Pay’ feature. The Key chain – Flash Pay is embedded with a chip and works on the principle of wireless connectivity (NFC) and allows to make seamless contactless payments.




Compact Design
The sleek and compact design of the RuPay smart key chain – Flash Pay ensures that customers can carry their payment method wherever they go effortlessly integrating into their daily lives.


Contactless Payments
Say Goodbye to traditional payment methods! The Smart Key chain - Flash Pay enables users to make secure and convenient contactless payments at millions of merchants across India.


Enhanced Security
Built- in security features such as tokenization and encryption ensure that transactions made with Flash Pay are safe and secure, giving users peace of mind with every purchase.




Flash Pay is compatible with a wide range of devices and payment terminals, providing users with flexibility and convenience in their payment options.


NCMC Enabled
Flash Pay is enabled with RuPay NCMC features that customer can use during their transit such as metro station and all NCMC enabled POS terminals.


Offer on Fuel Payment
Use your Flash Pay device at Fuel Station for refilling fuel and receive assured cashback up to ₹125 on your contactless transaction. Customers will be receiving the cashback within 90 days from the date of the transaction. Know More




Contactless machines and devices/cards have a limited range. Your Flash Pay device needs to be within 3-4 cms from the POS Terminal/machine for completing a successful transaction.

Eligibility & Mode of Application

  • All Federal Bank Resident Customers are eligible for Flash Pay. 


Eligible Mode of Operation:

  • Resident Saving Bank Account
  1. Customer can directly login to their FedNet portal and apply. 

Under Debit card services>> Apply for Debit card >> select account number >> Drop down menu will show the type of cards that can be applied.

      2. Customer just need to visit your nearest branch and apply for Flash Pay after filling the customer request form

      3. Customer can login to the Fed-e-Point portal and apply for Flash Pay under Debit card application tab.

Post successful application, the Flash Pay device shall get delivered within 7-10 working days.

  • The total number of Smart Key chain that would be issued to an account would be one. As per Bank’s Policy, only two debit cards can be issued for a single account and one additional smart key chain (Flash Pay). 

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Activation & Blocking

All about setting PIN!

To start using, you need to first activate your device by following 2 simple steps:

Step 1 - Set PIN for your Smart Key Chain -Flash Pay device using FedMobile, FedNet or IVR.

  • Using FedMobile (Card management -Select Flash Pay --Set New PIN) 
  • Using FedNet (Debit Card services- Select Flash Pay -Set New PIN)
  • Activation using IVR calling (Dial 0484- 6716700) & follow the instructions.


Step 2 - Enable contactless usage via Net Banking (FedNet)/ Mobile Banking (FedMobile)/IVR (Please dial 0484-6716700)/ visit your Branch.

  • FedMobile (Card Management-Select Flash pay- -Enable/Disable Card)
  • FedNet (Debit Card services- Select Flash pay - Enable/Disable Card)
  • Through IVR calling (Dial 0484- 6716700) & follow the instructions.
  • Visit your Nearest Federal Bank Branches.

Once PIN is set, you can start using your Flash Pay to make contactless transactions at POS terminals. 


All about safety!

Flash Pay can be permanently/temporarily blocked via FedMobile, FedNet, and through branches. Please refer the below channels:

Temporary Blocking

For temporary disablement of the Flash Pay, customers can do directly through FedMobile and FedNet by switching off the NFC (contactless) or through branches.

  • FedMobile- (Card Management-Select Flash Pay- Switch OFF contactless usage)
  • FedNet (Debit card services- Select Flash Pay- Switch OFF contactless usage)
  • Through IVR calling (Dial 0484- 6716700) & follow the instructions

Permanent Blocking
For Blocking of the Flash Pay, the available option is through FedMobile, FedNet, Contact Center and through branches. The detailed procedure is mentioned below.

  • FedMobile- (Card management- Select Flash Pay - Block the card)
  • FedNet (Debit card services- Select Flash Pay -Block the card)
  • The customer can call the Contact centre number 1800 420 1199 and after successful verification, the flash pay (smart key chain) can be blocked.

Flash Pay Limits

All about Limits!

  • Contactless payments up to INR 5,000/- per transaction (with a maximum of 5 transactions per day) - without PIN (Tap and Pay)
  • Any contactless payment transaction above INR 5000/- will require PIN authentication with a per day limit of INR 1,00,000 at any POS terminal.

Fees & Charges

The Joining fees is for the issuance of Smart Key chain “Flash Pay” is ₹499 (exclusive of Taxes) which will be collected within 90 days of the date of issue.
 The AMC will be charged on yearly basis total amounting to ₹ 199. (exclusive of taxes).

Customer Support

  • Contact Center is your single point contact with the bank. Dial the Pan India toll free number 1800 - 425 - 1199 Or 1800 - 420 - 1199 to avail the services of the Contact Center. 
  • Customers calling from registered mobile number get speedier services as the steps for customer identification are simplified when calls are made from customer's registered mobile numbers.
  • You can also contact us via email. For General Queries, please send an e-mail to:


Do not dial TOLL FREE NUMBERS appearing in any other third-party sources other than bank’s official channels. RBI has cautioned the usage of numbers similar to toll free numbers by fraudsters to steal sensitive information from customers such as debit card PIN/CVV/OTP etc. Customers are requested not to share confidential data to anyone including Bank officials.