Federal RuPay Wave Credit Card 2025
Save ₹30,000–50,000 every year with 5% unlimited UPI cashback!
India ka sabse fast UPI card! Federal RuPay Wave is 100% lifetime free, gives 5% unlimited cashback on every UPI transaction (GPay, PhonePe, Paytm, BHIM, merchant QR), instant virtual card in 60 seconds & ₹500 welcome cashback.
Perfect for daily payments!
Why Choose Federal RuPay Wave in 2025?
5% unlimited UPI • LTF • Instant card • ₹500 welcome • No exclusions
Best for: Daily UPI users, kirana, food delivery, bills, maximum savings
Card At a Glance
Nil
Nil (LTF)
5% Unlimited
₹500 Cashback
Instant in 60 Sec
1% Cashback
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (LTF) |
| All UPI Transactions | 5% unlimited cashback |
| Card Swipes & Online | 1% cashback |
| Welcome Bonus | ₹500 on first transaction |
Detailed Reward Rates (2025)
- 5% unlimited cashback on every UPI transaction
- 1% cashback on card swipes & online payments
- ₹500 welcome cashback on first transaction
- Cashback credited within 3 days
Airport Lounge Access
No lounge access – Pure high-cashback UPI card
Insurance & Protection Benefits
- Zero lost card liability
- UPI fraud protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% unlimited on all UPI | No lounge access |
| 100% Lifetime Free | RuPay network |
| Instant virtual card | New card (2024-25 launch) |
| ₹500 welcome cashback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 680+ preferred
- Documents: PAN + Aadhaar (100% digital)
How to Apply Online (3-Minute Process)
- Visit Federal Bank website
- Select RuPay Wave → Apply Now
- Enter mobile → OTP → Video KYC
- Virtual card ready in 60 seconds
- Physical card delivered free in 7–10 days
Final Verdict – Should You Get It in 2025?
India ka No.1 UPI cashback card! 5% unlimited + zero fees + instant card = ₹40K+ savings/year. If you pay ₹50K+ monthly via UPI – this card destroys everything else!
Frequently Asked Questions (FAQs)
5% har UPI pe?
Yes! GPay, PhonePe, Paytm, BHIM, merchant QR – sab pe.
Wallet load pe bhi 5%?
Yes! Allowed.
LTF confirmed?
100% – no fee ever.