Save up to 5% on every international spend, even ATM withdrawals!
For every ₹1L spent, you save min. ₹4,100
Typically, Debit/Credit Cards/Forex Cards charge forex fees of 3-5% on international spends. It’s waived off* for Fi-Federal Debit Card.
*Applicable on select plans
Carry just your Fi-Federal Debit Card anywhere and you're sorted!
No need to carry foreign or paper currency
No currency loading fee on adding funds
Earn up to 7.75% interest on your funds
Works seamlessly however you want to use it across 180+ countries
Offers on top global brands like Grab, Careem, Hotels.com, etc.
Edit transaction limits, enable global payments, or freeze it all with 1-tap.
No TCS is deducted on international spends till 10L T&C Apply
We are available on priority support for you 24x7, no matter where you are.
with a Fi-Federal Debit Card
Enjoy cashback on any spends — be it shopping, dining out, or booking holiday flights.
*Applicable on select plans.
Pay with your Fi-Federal Debit Card and earn 4X rewards*. Redeem for amazing vouchers and discounts!
*T&C Apply
Access your money conveniently without worrying about extra charges. Enjoy free* ATM withdrawals nationwide.
*T&C Apply
In partnership with
Your money is secured up to ₹5L
Set limits for purchases, freeze and unfreeze card, and do more with a few taps
Fi offers end-to-end protection. Your data is always safe with us
Fi-Federal Debit Card is issued by Federal Bank in Partnership with Fi Brand Pvt. Ltd.
The Fi-Federal Debit Card comes with a range of exciting offers to enhance your shopping, travel, and leisure experiences:
You will be charged 299+GST if you are on the Regular, Standard or Plus plan. Plus, an annual maintenance charge of 199+GST* on Plus Plan,299+GST on Standard Plan & 399+GST on Regular Plan
Tip: Upgrade to Prime or Infinite plan for a free first card.
*The Debit Card Annual Maintenance Charge is waived if your Debit Card spends (excluding domestic ATM withdrawals) exceed ₹25,000 in the 12 months leading up to your card’s anniversary date.
Note: If you want a physical Debit Card, go to Request New Card & tap on Request New Card to place an order.
ATM Withdrawal limits: There are no limits to the number of withdrawal attempts. However, each country has a daily/monthly limit to the withdrawal amount. You can set withdrawal limits for your spends in accordance with the country-wise limits on the Fi app (on the Debit Cards page).
Point of Sale (PoS) limits: Users can set Pos limits on the Fi Money app as per their requirements within the maximum limit of ₹6 Lakh.
You can track delivery status directly on the Fi Money app on the Debit Cards page. Fi also sends updates via Whatsapp and notifications once you order the card. The courier partner's tracking details are also shared on the delivery tracking page on Fi and in communications sent out
In an unfortunate situation where you don’t receive your Debit Card, but your status says otherwise, please contact Fi Money’s in-app chat support team.
A virtual Debit Card is a digital card with no physical form, used primarily for online transactions. It’s quick to set up and ideal for secure purchases since it can be easily deactivated if compromised.
On the other hand, a physical Debit Card is a tangible card issued by a bank or financial institution, suitable for both in-store and online purchases.
Yes, you can use your Fi-Federal Debit Card to make international payments. The card is currently active in more than 180 countries.
At Federal Bank ATMs: No charges for withdrawals.
At Other ATMs:
ATM withdrawal fee: ₹200 per transaction.
Fee Waiver:The first two transaction declines in a month are free
From the 3rd Decline onwards:
Tap on "Turn on travel mode" on the Debit Cards page to enable international usage of the card and enjoy uninterrupted ATM access, card control, and more while travelling abroad.
Pro tip: For international ATMs, limits may vary based on the country of visit. Transactions exceeding the withdrawal limits of the local ATM will be declined. Click here to know more.
Block your card and request for a new digital card using the Fi Money app. You can add this card for Tap & PAY transactions on GPAY and still continue paying for your travel. Physical Card is only required for POS and ATM transactions, you'll not be able to use your digital card here but Tap n Pay works for most merchants.
Set your preferred daily ATM cash withdrawal limits on the Fi Money app.
Ensure your card works outside India by enabling international usage before travelling abroad.
Ensure your card works outside India by enabling international usage before travelling abroad.
Our partner bank hosts your Savings Account and follows all security standards per applicable regulations.
Your money is always safe with our banking partner - Federal Bank and your money is covered under the Deposit Insurance and Credit Guarantee Corporation Scheme. This insures your money up to ₹5 lakh.
Fi itself is not a bank and doesn't hold or claim to have a banking license.
Products on our platform | Details |
|---|---|
Unified Payments Interface (UPI) | Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank). |
Savings Account and Deposits | Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank. |
Cards | Fi Brand Pvt. Ltd. markets and distributes co-branded cards in partnership with Federal Bank and Visa. Cards are issued by Federal Bank. |
Loans | Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders. |
Mutual Funds | Epifi Wealth Pvt. Ltd. ('Epifi Wealth') is a registered investment adviser and provides a platform for mutual funds investment. Epifi Wealth has partnered with MFCentral to provide mutual funds analyser to users. |
Loans Against Mutual Funds | Epifi Tech in partnership with regulated entities including Epifi Wealth and Bajaj Finserv provides a platform for loans against mutual funds. |
US Stocks | Epifi Tech has partnered with US stock broker Alpaca Securities LLC to provide users the option to invest in US stocks. |
Connected Accounts | Epifi Wealth (as a financial information user), in partnership with Finvu and Onemoney, provides users the option to link their existing financial accounts on Fi. |
Credit Analyser | Epifi Tech (as a non-specified user) in partnership with Experian and CIBIL provides insights on users' credit scores |
Fi-Coins | Fi-Coins are earned under a reward programme for engaging with products and services on the Fi App. |
Fi Store | Fi-Coins can be redeemed on products and services listed on Fi Store such as merchandise, gift cards, air miles, among other things. |
1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities
2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions
These products are governed by our Terms and Conditions, Privacy Policy, and any other product and partner specific terms and conditions as communicated to you.
©epiFi Technologies Pvt. Ltd. 2025
Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India
Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.
You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.
