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| Feature | IndusInd Bank IndusInd Bank Platinum RuPay Credit Card | Federal Bank Federal Bank RuPay Signet Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | Federal Bank |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.3% | 0.1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Entertainment & movies | 0.3% · Eligible merchant UPI rewards | 0.3% · Entertainment rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | Not published |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | UPI-first users who want a lifetime-free card from a traditional bank. | UPI users wanting a no-fee Federal Bank card with occasional category and lounge benefits. |
| Main trade-off | The issuer awards two points per ₹100 on UPI and one per ₹100 otherwise, but cash credit is only ₹0.35 per point. The higher 1:1 airline-mile route is not treated as cash value. | Federal Bank does not publish one numeric income threshold or product-specific forex markup. Reward redemption starts at 500 points and carries a fee from ₹99; the lounge and Swiggy benefits require ₹20,000 quarterly spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
