1. “Offer” means Secured Credit Card offer which can be backed by Federal Bank’s Fixed Deposit and extended by the Federal Bank to eligible customers.
2. Only customers who have received offer specific communication by Federal Bank (email, SMS, WhatsApp, etc.) for this offer can apply for the same.
3. Participation in this offer cannot be deemed as a guarantee for eligibility for availing the Credit Card.
4. The eligibility of the customers is determined by the Bank at its sole discretion and the Bank retains the right to change, withdraw, modify its eligibility criteria without any prior notification.
5. The participation in this offer is voluntary.
6. Offer is valid for limited period only.
7. To know more about the Credit Card features, T&C & MITC click here.
8. Federal Bank reserves the right to cancel/change/modify/add/delete any of the terms and conditions of the offer at any time without notice based on its policies.
9. Federal Bank reserves the right to terminate the Offer at any time without prior notice.
10. Federal Bank reserves the right to deny honouring the Offer on the grounds of suspicion, fraud or abuse of the offer by any customer without providing the customer any explanation thereof.
11. Upon issuance of the Secured Credit Card, the Bank shall mark a lien on the entire amount of the term deposit placed by the Cardholder, including interest earned by the Cardholder, until the termination of the Secured Credit Card.
12. No premature closure of term deposit will be permitted until the termination or closure of Secured Credit Card by Cardholder/the Bank as well as payment of all outstanding fees, charges and any other amounts due to the Bank by the Cardholder.
13. The Cardholder/s shall not be able to make any part withdrawals from the term deposit linked to the Secured Credit Card.
14. In all matters relating to the Secured Credit Card offer, the decision of Federal Bank shall be final and binding in all respects.
15. Federal Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services availed of by the Federal Bank Credit Card Holder/s under the Program.
16. NR Customers will not be eligible to apply for Secured Credit Card
17. Fixed Deposit to have minimum tenure of 6 months for offer eligibility
18. Auto-renewal is mandatory for Fixed Deposit to be deemed eligible for this offer.
19. The Offer is subject to applicable Indian laws and such other terms and conditions as may be stipulated by Federal Bank.
20. Any Customer availing the offer shall be deemed to have read, understood and accepted these terms and conditions, the general terms and conditions of the Bank.
21. All disputes are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai.
22. All communication/notices with regard to this Program should be addressed to creditcards@federalbank.co.in or 1800- 425 -1199/1800-420-1199/+91-484- 2630994 (for customer from abroad).

23. The T&C for lounge access on Federal Bank Credit Card is mentioned below:

The changes on lounge access will be applicable from 15^th July 2025.