Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#31 of 70 in debit

Federal Bank

Federal RuPay Select Debit Card

debitRupaypremiumProvisional score

High tier RuPay card delivering health checkups, spa access, and native UPI tie-in limits.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%

≈ 0.47% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.5% score bonus — earns broadly without narrow category restrictions.

Fee efficiency91/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks31/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹500 + 18% GST
= ₹590 total
Annual fee: ₹500 + 18% GST
= ₹590 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 4
International (per year): 2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
utilities	cashback	5%	₹250 / monthly	5% periodic cashback drives on UPI payments leveraging RuPay rails selectively
all_spends	points	0.25%(1 pts @ ₹0.25)	—	Accumulate fixed Federal Rewardz passively