T&C - Add-On Credit Cards

Federal Bank Add-on Credit Cards: Terms and Conditions

Federal Bank Add-on Credit Cards: Terms and Conditions


  1. The Federal Bank Add-on Credit card (“Add-on Credit card”) features will be same as your primary Federal Bank Credit Card (“Primary Credit Card”).
  2. Issuance Charges per Add-on Card: ₹100 + GST
  3. All communication for the Add-on Credit Card will be sent to the Add on Credit Card holder.
  4. Fuel surcharge waiver limit will be shared with the Primary Credit Card
  5. Single shared credit limit will be set against the Primary Credit Card and Add-on Credit Cards. Add-on Credit Card transaction limit is set at the discretion of Primary Credit Card holder which can be up to the maximum credit limit allowed on Primary Credit Card.
  6. The Primary Credit Card holder is liable for all spends and transactions done by Add-on Credit Card holder, and such spends will be part of the Primary Credit Card holder’s monthly statement
  7. The spends done on Add-on Credit Card will also accumulate reward points as per the product reward points structure and will reside in Add on Card holder’s account.
  8. For all transactions on the Add-on Credit Card, the transaction alert and OTP will be sent only to the Add -on Credit Card holder’s registered mobile number.
  9. The Add-on Credit Card applicant or the person in whose name the Add-on Credit Card is availed is required to have an existing relationship with the Bank as a customer.
  10. If the Federal Bank finds any duplicate Add-on Credit Card in the course of business, without prior notification, the Add-on Credit Card will be closed by the Federal Bank. Mailing address of Add-on Credit Card applicant will be the same as that of Primary Credit Card applicant’s mailing address
  11. Add-on Credit Card and any related communication will be sent on the registered Address, Email and Mobile Number of the Add on Credit Card holder.
  12. Add-on Credit Card holder will also be bound by the Terms & Conditions of the Cardmember Agreement earlier executed between the Primary Credit Card holder and Federal Bank Limited.
  13. Maximum of 4 Add-on Credit Cards can be issued against every eligible Primary Credit Card.
  14. Add-on Credit Card holder will earn reward points on the Add-on Credit Card spends. However, Add-on Credit Card holder will not get benefits/offers such as Welcome vouchers, Wellness pass/Swiggy/Big Basket vouchers or any memberships which are part of the Primary Card’s value proposition except for lounge access, INOX BOGO, FedDelights, and Network Offers which are limited to maximum value available for Primary Credit Card in aggregate.
  15. Federal Bank reserves the right to change the features/benefits of the Add-on Card without any notice and without giving a reason whatsoever Customer’s account associated with the Primary Card should be in regular status for Add-on to be issued. Definition of Account’s status is defined as per Federal Bank Internal policies.
  16. Federal Bank reserves the right to decline the application for Add-on Credit Card without giving any reason whatsoever.
  17. Federal Bank reserves the right to deactivate and/or block Add-on Credit Card without any notice and without giving any reason whatsoever.
  18. Cardholders can manage Add-on Credit Card transactions using the Manage Cards section in post-login section of the Fed Mobile App of Primary card holder and IVR using primary holder’s registered mobile number.
  19. Add-on card holder will not have the authority to change demographic details like address or mobile number.
  20. Add-on Credit Card stands invalidated on invalidation of Primary Credit Card as per Bank's discretion or due to delinquency.
  21. Loan on credit card or any value-added service of credit card can be availed only on the Primary Credit Card and cannot be availed on the Add-on Credit Card.
  22. Federal Bank reserves the right at any time, without previous notice, to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part this scheme by another offer, whether similar to the offer or not, or to withdraw it all together. You will not hold Federal Bank responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges, expenses, which a participant may suffer, sustain or incur by the Offer. All disputes, if any, arising out of or in connection with or as a result of the Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent Courts/Tribunals in Ernakulam only.