The Most Important Terms and Conditions (MITC) are to be read along with the CARD MEMBER AGREEMENT of Federal Bank Ltd for complete understanding. The MITC are subject to change. Refer www.federalbank.co.in for details.

In line with RBI mandate, basis the nature and purpose of the transactions carried out on your credit card, customers are advised not to make any payments to the credit card through FCRA accounts. In case, if any payments are observed through these accounts, customer may receive a notice from the Ministry of Home Affairs seeking explanation for such payments.

1. Fees and Charges
2. Fees payable on the Credit Card by the Card member: The fees may vary for each Card member, depending on the Card variant, offer (if any) etc. The same is communicated to the Card member at the time of applying for the Credit Card. The above fees as applicable are billed to the card account and are stated in the card statement of the month in which it is charged.
3. Cash Advance Fees (Not applicable for Wave Credit Card): The Card member can use the Card to access cash in an emergency from ATMs in India or abroad. A transaction fee of 2.5% would be levied on the amount withdrawn subject to a minimum fee of Rs.500/- and would be billed to the card member in the next statement. The transaction fee is subject to change at the discretion of Federal Bank. All cash advances also carry finance charges equal to charges on revolving credit (please refer schedule of charges) from the date of withdrawal until the subject to change at the discretion of Federal Bank. The cash withdrawal facility for Federal Credit Cards is currently available only for select customers, as per the Bank's policy.
4. Charges:
5. Charges and fees, as may be applicable from time to time, are payable by card members for specific charges provided by Federal Bank to the card member or for defaults committed by the card member with reference to his card account.
6. Federal Bank retains the right to alter any charges or fees from time to time or to introduce any new charges or fees, as it may deem appropriate, with due intimation to customer. For interest rates, pre-closure and cancellation charges on Loan on Credit Cards, Please Visit: https://www.federalbank.co.in/

iii. In case of default, interest charges may increase up to a maximum of 3.75% per month (45.00 % per annum).

1. Interest Free Period: The interest free credit period could range up to 48 days subject to the scheme applicable on the credit card and the submission of claims by the merchant.

For a statement for the period from Jan 15th 2021 to Feb 14 nd 2021 the payment due date would be Mar 2nd, 2021.

Assuming that you have paid your Total Amount Due of the previous month statement by the payment due date, the grace period would be:

1. For a purchase dated Jan 16th, 2021, the interest free grace period is from Jan 16, 2021 to Mar 2nd, 2021, i.e. 46 days.
2. For a purchase dated Feb 14th, 2021, the interest free grace period is from Feb 14th 2021 to Mar 2nd, 2021, i.e. 17 days.

Thus, the grace period can vary depending upon the date of purchase. This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months However, if the Total Amount Due is not paid by the payment due date, then there will be no interest free period. For cash advances, interest is charged from the date of the transaction until the date of payment.

Late Payment Charges (LPC):

Late payment charges will be applicable if the Minimum Amount Due is not paid by the payment due date.

Payment of at least Minimum Amount Due i.e. 500 in the below example-1, is required to be paid by the payment due date (assumed as 2nd Feb), to ensure that no late payment charges are levied. If minimum amount due is not paid, late payment charges would be levied as per the below table:

Thus, in the below example 1, since the minimum amount due of Rs. 500/- is not paid by the payment due date of Feb 2nd, 2021 and since Total Amount Due was Rs.10,000/-, late payment charges of Rs. 600/- will be levied on Feb 05th, 2021. This charge will also be applicable if you make a payment of less than the minimum amount due by the payment due date.

Wallet loading charges: With effect from 1st May 2024, a fee of 1% of the transaction amount will be levied on wallet load transactions, along with the applicable taxes.

1. Finance/Interest Charges
2. Interest Charges are paid at monthly percentage rate on all transactions from the date of transaction in the event of the Card member choosing not to pay his balance in full, and on all cash advances taken by the Card member, till they are paid back. Interest charges, if payable, are debited to the Card member’s account till the outstanding on the card is paid in full.
3. When the customer carries forward any outstanding amount or availed Cash Advance, a finance charge calculated by average Daily Balance Method will apply to balances carried forward and to fresh billings.

 iii. If a cardholder avails the revolving credit facility of the Federal Bank credit card and hence chooses to pay an amount less than the total amount due reflected in the monthly billing statement, the entire outstanding amount will attract interest charges and all new transactions will also attract interest charges till all the previous outstanding amounts are repaid in full before the payment due date (PDD).  Revolving credit is a type of credit that does not have a fixed number of payments, in contrast to instalment credit.

1. The following illustration will indicate the method of calculating interest charges: In the table given below, it has been assumed that the Total Amount Due of the previous month statement has been paid by the payment due date and there is no outstanding amount. The statement date is 15th of every month. Given these assumptions, interest will be calculated as below:

Example-1

1. Limits (Cash withdrawal limits are not applicable to Wave Credit Card)

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are also indicated in the monthly statements. Available credit limit is calculated by deducting the utilised limit from the Total Credit Limit. In case the Card Member has availed of any loan within the credit limit on the card, the outstanding loan amount will also be deducted from the Total Credit Limit to arrive at the Available Credit limit.

The Card Member shall be entitled to apply for a review for enhancement reduction of the credit limit and/or cash limit if provided by Federal Bank, upon tenure as decided by Bank. Alterations upon such review, if any, of the credit limit and/or cash limit will be at the sole discretion of Federal Bank. Federal Bank shall at its sole discretion be entitled to review (including enhancement or reduction) the credit limit and/or the cash limit assigned on the Card at any time and only enhancements, if any, to the credit limit and/or the cash limit, shall be affected by Federal Bank along with the consent of the Card Member.

1. The Credit Limit: This is the limit assigned to the Cardholder. The total outstanding, including all transactions, fees and charges should not exceed this limit
2. Cash Limit: This is the Cash Advance Limit assigned to the Cardholder. This limit is lower than the Credit Limit and is a subset of the overall Credit Limit.

A transaction fee (not applicable for Wave Credit Card) is levied on cash withdrawn from ATMs. Also, cash transactions always accrue interest from the transaction date, unlike retail purchases, where interest accrual depends on the payment of 100% balance payment by the Payment Due Date.

1. Available Credit Limit: The Available Credit Limit at any time is the difference between the assigned Credit Limit and the outstanding balance on the Card at that point of time. The Add - on Cardholder(s) will share this Credit Limit assigned to the primary Cardholder
2. Available Cash Limit: The Available Cash Limit at any time, is the difference between the assigned Cash Limit & the outstanding cash balance on the Card at that point of time
3. Billing Statement:

Federal Bank will send the Card member a monthly statement showing the payments credited and the transactions debited to the Card member’s account since the last statement. The Bank will mail a statement of transactions in the card account every month on a pre-determined date, to the mailing address on record with the Bank. If balance outstanding is less than Rs. 200/- and there is no further transaction pending billing since the last statement, no statement will be issued.

1. Periodicity and Mode of sending statement: All Card Members will be billed on a monthly basis for all charges incurred by the use of the Card and for all charges applicable to the card account. The billing statement will be shared over email, on a monthly basis to customers.
2. Total Amount Due: Total amount due is the total amount (net of credit received during the billing cycle, if any) payable by the card holder as per the credit card statement generated at the end of a billing cycle.
3. Minimum Amount Due: Minimum Amount Due (MAD) is calculated as 5% of Total Amount Due (subject to minimum of Rs. 100/-), new EMI debits for the month or any previously unpaid EMI debits + GST + Fee. In the event the Card Member deposits part of the Total Payment Due or the MAD (not less than the MAD under any circumstance), the balance outstanding amount payable shall be carried forward to subsequent Statements. This amount will attract interest Charges until the date of full and final payment. Please note that paying only the Minimum Amount Due every month will result in the repayment stretching over a long period with consequent interest payment on Card Member’s outstanding balance. The interest charges will depend on the balance maintained by customer in the savings account for the last quarter.

AMB- Average Monthly Balance in Operative account maintained with Federal Bank i.e. Average of all the closing-day balances in a given month. To calculate AMB, you need to add each day's end-of-the-day balance and divide it by the number of days in that month. AMB for a quarter will be average of AMB maintained in the 3 months of that quarter.

Quarters are defined as January, February and March as Quarter 1; April, May and June as Quarter 2; July, August, and September as Quarter 3 and October, November and December as Quarter 4. APR for Quarter 2 will be considered on the basis of average monthly balance for Quarter 1. For eg. 1 st Jan-31st March AMB will be applicable for quarter 1st Apr- 30th June etc.

No merchant refund/cashback/credit due to transactions converted to EMI / cancelled transactions / reversals / promotional cashback will be considered as a payment towards the outstanding of the card.

In case card member makes an excess payment compared to the outstanding of the card, there will be credit balance in the card account. This will be adjusted against the subsequent transactions on the card. However, no interest can be claimed on this excess credit amount.

1. Billing Disputes Resolution : In the event the Card Member disagrees with the charges indicated in the statement, it should be communicated to Bank by calling Customer Care on 1800 420 1199/ 1800 425 1199 or email to creditcards@federalbank.co.inwithin 30 days of receipt of the statement, failing which it would be construed that all charges indicated in the statement are accepted by you.

Complete Postal Address of the Bank

The Federal Bank Ltd, 2nd Floor, Parackal Towers, Federal Bank, Operations Department, Parur Junction,  Aluva, Ernakulam, Kerala, India, 683 102
 

1. Methods of payment
2. NEFT/IMPS: If the Card Member holds a Savings Account with any bank he or she may pay online via Mobile banking or Internet Banking through
3. Federal Bank Website. Just log on to www.federalbank.co.in
4. Adding Beneficiary details of Credit number and transferring the amount directly

Name: Name on the card

Bank Name: Federal Bank

Account No. : Card No

IFSC: FDRL00CARDS

Branch Location: Aluva

1. Auto Debit: If the Card Member holds a Savings Account with Federal Bank, he/she may pay directly through the Savings Account by giving an instruction in writing to debit the payment from such account every month on the payment due date. 14. The Cardholder agrees that the mode of repayment of dues under the Floater Credit Card (which includes the designated account to which auto-debit is linked, whether the amounts to be auto-debited is Total Amount Due or Minimum Amount Due etc.)  shall be the same as that of the terms applicable thereof to the Primary Card. If the Cardholder desires to make any changes to the mode of repayment, the Cardholder shall submit specific request to the Federal Bank Contact Centre (e-mail: creditcards@federalbank.co.in/ toll free 18004201199 or 18004251199) which may be sanctioned by Federal Bank at its sole and absolute discretion.  Any changes in the mode of repayment made to Primary Card subsequent to issuance of Floater Credit Card shall not be applied/ reflected in the Floater Credit Card.  

In case where Card Member is making remittances from his/her NRO Account, he/she warrants that such remittance is made out of his/her balances held in such NRO account arising from his/her legitimate receivables in India and not by the way of borrowings from any other person or a transfer from any other NRO account. On breach of such warranty, Card Member shall be liable for penal action under FEMA. Card Member also confirms and warrants that the amount repatriated out of his/her balance in NRO Account to outside India, amount transferred from NRO account to NRE account, payment towards credit card bill and amount to be transferred vide any other request is less than USD.1,000,000- (U S Dollar one million) or its equivalent in any Bank during a particular financial year.
For funds utilised for Credit Card bill settlement by way of debit to NRO account, Card Member confirms that applicable taxes have been paid on earnings charged to tax in India as per CBDT rules and Card Member and NRO account holder is one and same.

The outstanding dues may also be recovered from any of the operative accounts of the Card Member maintained with the Bank as a part of auto recovery process.

1. Cheque / Draft: Draw a cheque or draft favouring “Federal Bank Credit Card No. XXXXXXXXXXXXXXXX" and drop it in to the collection box or give it over the counter at Federal Bank branches. Outstation cheques / drafts i.e. cheques / drafts payable at cities other than specific cities (list of such specific cities as decided by the Bank from time to time, is available on request) may attract a processing fee.

TAT for clearance of Federal Bank cheque – 1 working day.

TAT for clearance of another bank cheque – 3 - 5 working days based on realisation

1. Cash: The Cardholder may deposit cash at any of the branches of Federal Bank towards the Card payment. Such payments at branches would attract a fee of Rs. 100 per payment transaction.
2. Pay via FedMobile: Customers can pay their Credit Card bills by using FedMobile App (FedMobile-> Credit Card->Pay Credit Card bill)

TAT for fund settlement: Instant

1. 
   Pay via FedNet: Customers can pay their Credit Card bills by using FedNet (FedNet->Credit Card-> Dashboard-> Make a Payment)

TAT for fund settlement: Instant

1. 
   Pay Via Payment Gateway:  Customers can pay their Credit Card bills from other Bank accounts using Payment Gateway portal available in Bank’s website under Credit cards->Pay credit card bills-> Pay via PG (Click here for PG portal)

TAT for fund settlement: Up to 3 working days

*The outstanding payment of Credit Card should be made at least three days prior to the the payment due date when done through any mode of self- payment other than auto debit, FedMobile. For auto- debit, sufficient balance should be maintained in the debit account 1 day prior to the payment due date.
 

1. Reward Points

The reward points will be managed at enterprise level, which will include all the reward points accumulated via retail spends from Credit Cards, Debit Cards, Internet Banking and Mobile Banking channels of Federal Bank. The reward point structure is given below:

1. a) Cash, Fuel spends, E-wallet loading, Government transactions will not accrue Reward Points.
2. b) The Bank reserves the right to cancel or suspend Reward Points accrued on the credit card if it is in arrears, suspension or default or if the Card Account is or is reasonably suspected to be operated fraudulently. Reward Points earned but not redeemed at the time of death of the card member shall be forfeited.

c)Effective January 1st, 2024, the following categories/ MCC codes will not be eligible to earn Reward Points on Credit Cards: Fuel (5541, 7983, 5172, 5542) and Government Services (9399, 4784, 9311, 9222, 9402, 4011, 9405, 9211)

d)Effective 15th Jul'24, the transactions related to financial institutions (6012) & Quasi Cash (6051 & 6050) will not earn federal reward points.

1. e) Effective 15th Jul'24, the reward points accrued for Insurance transactions (6300 & 5960) will have a monthly capping of 250 points per card per calendar month.
2. f) Each Federal Point is valued at Rs. 0.25
3. g) Effective 15th Jul'24, Redemption of Federal points towards ‘Cash’ to Credit Card account will be computed at 10 paise per point.
4. h) With effect from 1st April 2023, rent payments made via Credit Card will not earn Reward Points. Reward Points accrued in the past will remain valid till expired or redeemed, whichever is earlier.
5. Default
6. If the Card Member fails to pay the Minimum Amount Due by the date indicated in the billing statement, it shall be treated as default. In case of default, the Bank can forward the default report to the Credit Information Bureaus or to such other agencies as approved by law. However, before reporting any default, the Bank will inform the Card Member seven days in advance regarding the Bank’s intention of reporting the default.  If the Card member settles dues after been reported as defaulter, the Bank will update the status within 30 days from the date of settlement. The disclosure/release of information pertaining to the default will be made only after the dispute is settled. 
7. Procedure for withdrawal of default report and the period within which the default report would be withdrawn after settlement of dues.

The Bank submits the Card Member's data to Credit Bureau (in India) every month. This data includes the repayment status of all Cardholders, both defaulters and current, for the previous month. The bureaus will upload the submitted data onto their servers in another thirty days.

1. Card member acknowledges the right of the Bank to terminate the Credit Card facility in the event of default in respect of any other loan/ financial/ credit facility extended to the Card member by the Bank and vice versa.
2. Recovery of dues in case of death/permanent in capacitance of the Card Member: It shall be in accordance with the applicable laws after giving sufficient notice for payment of dues and all information regarding the outstanding dues, to the successors/nominees /legal heirs/guardian of the Card Member.
3. The classification into Substandard/ Doubtful/Loss NPA will be handled based on combined security apportionment across overall exposure with Bank and ageing rules as specified by Bank from time to time.

In the event of default, the Card member will be sent reminders from time to time for settlement of any outstanding on the card account, by post, telephone, e-mail, SMS messaging and/ or engaging third parties to remind, follow up and collect dues. Any third party so appointed, shall adhere fully to the code of conduct on debt collection.

1. Right of Lien 
2. The Bank, at any time and without notice, will have the right to lien and right to set off on all monies belonging to the Card member and/or add on Card member standing to their credit in any account/custody of the bank, if upon demand by the Bank, the balance amount on the card account is not repaid within the prescribed time.
3. During settlement of redemption in case available Reward Points balance is lesser than Points required for the transaction the bank reserves the right to debit the differential amount on the Customers Card/Account.
4. For secured credit card, the Term Deposit of the customer will be lien marked against the credit card issued to the customer. The lien will be lifted once the customer clears all the dues outstanding and closes the Credit Card account available with the bank.
5. Termination/Revocation of the Card Membership

The Card Member may at any time choose to terminate the Card Account with or without giving any prior notice. For avoiding misuse, it is advised to cut the Credit Card into four pieces ensuring that the hologram and magnetic strip are destroyed permanently. The Card Member may terminate the Card membership at any time by writing to 2nd Floor, Parackal Towers, Federal Bank, Operations Department, Parur Junction, Aluva, Ernakulam, Kerala, India, 683108 ” by indicating the complete Card number. The card member may also request for cancellation of credit card through FedMobile, FedNet or Bank’s contact centre. The termination shall only be effective once Federal Bank receives the payment of all amounts due and outstanding in respect of the said Card Account. Interest/finance charges, if any applicable, for a billing cycle will be levied/payable on the next billing cycle and the Card Member shall be liable to pay the same notwithstanding the termination/revocation of the Card Membership.

In the event of a credit card program closure or at the time of renewal of credit card, Federal Bank Limited at its sole discretion reserves the right to provide a card type that is different from the existing card type held by the card member. The credit limits and cash limits on any credit card at any point in time are as per sole discretion of Federal Bank Limited. The card application shall continue to be valid for any replacement card provided at the time of closure/renewal.

If a credit card has not been used for a period of more than one year, the process to close the card shall be initiated after intimating the cardholder. If no reply is received from the cardholder within a period of 30 days from the expiry of the one-year period of non-usage, the card account shall be closed by the Federal Bank, subject to payment of all dues by the cardholder. The information regarding the closure of card account shall also accordingly be updated with the Credit Information Company/ies within a period of 30 days
For Closure of Credit Card Account, customers can call our 24-hour customer card on 1800 420 1199/ 1800 425 1199 or email to creditcards@federalbank.co.in. For complaints related to Credit Cards mis-selling or harassment from recovery agents related to Credit cards please write to ccsalessupport@federalbank.co.in  or call at 0484–6754111.

1. Loss/Theft/Misuse of Card

In case of loss/theft/misuse of the Card, it must be reported immediately to Federal Bank home branch either by accessing the link: https://www.federalbank.co.in/block-unauthorised-transactions, or calling Customer Care on 1800 420 1199 / 1800 425 1199 / mail to creditcards@federalbank.co.in or via Mobile Banking/ Inter Banking from your registered mobile number or email id only. The Bank shall thereupon suspend the Card. The Card Member is advised to file an FIR with the local police station so that the Card Member can produce its copy whenever requested by the Bank. The Card Member shall be primarily responsible for the security of the Card including theft and for the transactions using the Card. The Card Member shall not be liable for any transaction/s made on the Card post reporting its loss/theft/damage. However, in case of any dispute relating to the time of reporting such loss/theft/damage and/or transactions made on the Card post reporting of the loss/theft/damage/misuse, the Bank reserves the right to ascertain such time and or the authenticity of the disputed transactions.

Federal Bank reserves the right to block the Credit Card on suspected risk of compromise in order to protect the interest of the Card Member and to avoid misuse in any manner on the Card Account. The Card Member shall not be able to use the blocked Card for any transaction/s and shall receive a replacement Card within 7 (seven) working days. In the event, the Card Member, after being informed by Bank of the probable fraud risk, still requests to unblock the Card, Federal Bank shall not stand liable or responsible in any manner for any fraudulent transactions reported to it thereafter on account of fraudulent usage of the Card or otherwise.

Liability of cardholder:

Overall liability of the cardholder in terms of RBI circular ref. DBR.No. Leg.BC.78/09.07.005/2017-18 dated July 6, 2017; on Customer Protection is summarised as below: 

1. Grievance Cell 

"In the event that you are not satisfied with our services, you may register your grievance by i) visiting Complaint Form at www.federalbank.co.in or ii) calling at our Customer Care number 18004201199 or iii) through email to contact@federalbank.co.in. In all your communications with us, please indicate your complete Credit Card number."

1. Greivance Redressal Escalation: 
   First level (Greivance Redressal Officer)
   In the event you are not satisfied with our services, you may register your grievance by dialling our toll-free number 1800-420-1199/1800-425-1199/0484-2630994 (for abroad calls) or email to creditcards@federalbank.co.in

Second Level (Principal Nodal Officer)
If you are not satisfied with the resolution provided, Please forward your concern to support@federalbank.co.in with complaint details

Harmonisation of Turnaround Time (TAT) and customer compensation for failed transactions using authorised Payment Systems

Reserve Bank of India had introduced guidelines on Turnaround Time (TAT) for resolution of customer complaints and compensation framework across all authorised payment systems in the month of September 2020. Banks and other operators / system participants shall endeavour towards quicker resolution of such failed transactions and wherever financial compensation is involved, the same shall be effected to the customer’s account Suo moto, without waiting for a complaint or claim from the customer. The Bank has adopted the above guidelines. In the event of failed transactions, wherever financial compensation is involved, the same shall be effected to the customer’s account Suo moto.

Customer Compensation details for failed transactions using Authorised Payment Systems is given below:

1. Toll free Number for Grievance Redressal

In the event you are not satisfied with our services, you may register your grievance by dialling our toll-free number 1800-420-1199/1800-425-1199/0484-2630994 (for abroad calls).

1. FEMA (Foreign Exchange Management Act.)
2. Usage of the Card for transacting outside India must be made in accordance with applicable law, including the Exchange Control Regulations of the RBI and the Foreign Exchange Management Act, 1999, and in the event of any failure to do so, you may be liable for penal action.
3. Credit Card cannot be used for making payments directly / indirectly towards Overseas Forex Trading through electronic / internet trading portals. This is prohibited as per regulatory guidelines. For further details, please visit our website www.federalbank.co.in.
4. The Card is valid for use, both in India as well as abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan.
5. 100 % repayment has to be mandatorily made through Autopay mode from Federal bank NRE / NRO account only for NRI customers.
6. Cash payment will not be accepted for NRI customers.
7. Unauthorized Electronic Banking Transactions in Card account
8. The Customer shall inform the Bank in writing within seven (7) days, if any discrepancies exist in the Transactions/ particulars of the Balance on any statement / records that is made available to the Customer.
9. If the Bank receives any information to the contrary beyond seven (7) working days, the customers’ liability shall be determined as per the Banks Board approved policy which is available in Banks website.
10. All records of your instructions and such other details (including but not limited to payments made or received) maintained by the Bank, in electronic or documentary form pursuant to the Terms and Conditions herein, shall as against You, be deemed to be conclusive evidence of such instructions and such other details.
11. In case of any dispute relating to the time of reporting and/or Transaction/s made on the account or any other matter in relation to the said account, the Bank shall reserve the right to ascertain the time and/ or the authenticity of the disputed Transaction and your liability in case of unauthorised transactions in your card account due to third party fraud or where you have not contributed for the fraud will be driven as per the guidelines given in RBI Circular on “Customer protection- Limited liability of customers in unauthorised Electronic Banking transactions” Any changes in the regulations as amended from time to time will be applicable and binding at that point of time.
12. Disclosure

The Bank shall part with all available information about the Card Member, repayment history etc. to Credit Information Bureaus or to such other agencies approved by law. Federal Bank/Group Companies reserve the right to retain the application forms and documents provided therewith, including photographs, and will not return the same.

The Bank will share information relating to card member/add-on card member(s), including information relating to any default committed by the cardholder in discharge of his/her obligation, as the Bank may deem appropriate and necessary, with any credit information company regulated by the Credit Information Companies (Regulation) Act, 2005. However, before reporting any default, the Bank will inform the Card Member seven days in advance regarding the Bank’s intention of reporting the default. If the Card member settles dues after been reported as defaulter, the Bank will update the status within 30 days from the date of settlement. The disclosure/release of information pertaining to the default will be made only after the dispute is settled.

The Bank reserves the right to disclose the following cardholder’s information at the following stages with and without approval of cardholder.

1. Most Important Terms and Conditions in Regional Languages

Please Visit www.federalbank.co.in for information on MITC in regional languages, Options available 1) Hindi 2) Malayalam

The Cardmember hereby acknowledges that the Most Important Terms and Conditions available in regional languages at www.federalbank.co.in is the representative text of the English version of the Most Important Terms and Conditions.

The Cardmember agrees and acknowledges that in the event of any inconsistency between the texts in English and regional languages of the Most Important Terms and Conditions, the text in English shall prevail and shall be binding on the Cardmember.

Disclaimer:

*Federal Bank may at its sole discretion, utilise the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products.