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About Us
Cards
Debit Card
Features
Pay with Fi
Automate
Rewards
Borrow
Accounts
Salary Accounts
Scan QR to get the Fi app
There's more than one
way to use Fi
Make the most of Fi. Choose your plan based on the benefits you'd like, and upgrade your plans as you go!
POWERED BY
REGULAR
About Regular Plan
Maintain an average monthly balance of ₹5,000 to avoid a monthly fee of up to ₹200 (capped at ₹1,000 per year)
Effective 1st June 2025, this fee will change to up to ₹300/month with no annual cap.
Effective 1st June 2025, this fee will change to up to ₹300/month with no annual cap.
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Heading
Rewards
Average Monthly Balance
Physical Debit Card Issuance Fees
Physical Debit Card Annual Fee
Virtual Debit Card Charges
Forex charges2
Customer support
Chequebook
Prime
Rewards
3% back1 on in-app UPI & Debit Card spends (up to ₹1000/month)
Average Monthly Balance
₹1,00,000
Physical Debit Card Issuance Fees
₹0
Physical Debit Card Annual Fee
₹0
Virtual Debit Card Charges
Waived off
Forex charges2
Unlimited transactions at 0 Forex charges
Customer support
Priority customer support
Chequebook
1st chequebook with 10 leaves is free3
Infinite
Rewards
2% back1 on in-app UPI & Debit Card spends (up to ₹500/month)
Average Monthly Balance
₹50,000
Physical Debit Card Issuance Fees
₹0
Physical Debit Card Annual Fee
₹0
Virtual Debit Card Charges
Waived off
Forex charges2
Unlimited transactions at 0 Forex charges
Customer support
Priority customer support
Chequebook
1st chequebook with 10 leaves is free3
Plus
Rewards
1% back1 on in-app UPI & Debit Card spends (up to ₹100/month)
Average Monthly Balance
₹25,000
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹1994
Virtual Debit Card Charges
Waived off
Forex charges2
Spend up to ₹30,000 globally at 0 Forex charges
Customer support
Standard Support
Chequebook
1st chequebook with 10 leaves is free3
Standard
Rewards
None
Average Monthly Balance
₹0
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹299
Virtual Debit Card Charges
Waived off
Forex charges2
A 3.5% markup will be charged on international spends
Customer support
Standard Support
Chequebook
₹100 for a chequebook with 10 leaves
Regular
Rewards
None
Average Monthly Balance
₹5000
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹399
Virtual Debit Card Charges
₹3995
Forex charges2
A 3.5% markup will be charged on international spends
Customer support
Standard Support
Chequebook
₹100 for a chequebook with 10 leaves
Note: Additional GST & other taxes will be applicable on these charges
1as Fi-Coins which can be converted to Brand Vouchers or Travel Miles
23.5% forex markup will be charged on all international debit card transactions at first. It will be reversed for eligible users within 30 days. All crypto transactions will be charged a 3.5% markup.
3Cheque Book charges of ₹100 will be collected from the user but reversed within 30 days.
4The 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.
5If you already have a physical Fi-Federal Debit Card, you won’t be charged an annual maintenance fee for your virtual debit card. Starting June 1, 2025, the fees for a virtual debit card (if applicable) will be charged annually on the card’s anniversary date.
On select plans, there are no charges or penalties on Fi for not maintaining a minimum balance. We will just update your plan as per your account balance & notify you on the app.
23.5% forex markup will be charged on all international debit card transactions at first. It will be reversed for eligible users within 30 days. All crypto transactions will be charged a 3.5% markup.
3Cheque Book charges of ₹100 will be collected from the user but reversed within 30 days.
4The 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.
5If you already have a physical Fi-Federal Debit Card, you won’t be charged an annual maintenance fee for your virtual debit card. Starting June 1, 2025, the fees for a virtual debit card (if applicable) will be charged annually on the card’s anniversary date.
On select plans, there are no charges or penalties on Fi for not maintaining a minimum balance. We will just update your plan as per your account balance & notify you on the app.
For a detailed breakdown of fees, check our super transparent fee structure here
Have more questions?
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Pronounced Fī(-ē) and sounds like
hi
sky
tie
fly
Contact Fi Money customer care
Fi is a money management platform that re-imagines the banking experience in India. The Federal Bank Account offered through our App, is a digital bank account that gives you the fastest way to open a bank account online.
You can do everything from the Fi App, including p2p payments, fund transfers, bill payments, and more, with features to automate every action. You also get a Debit Card, spends insights and tools to grow your investment and earn rewards.
Disclaimer: You may have noticed some brand logos used on this website to indicate where you, as a user, may or may not have spent money. We don’t endorse these brands. Nor do these brands endorse us. The logos of the specific brands are owned by them.
© epiFi Wealth Pvt. Ltd. 2025
© epiFi Technologies Pvt. Ltd. 2025
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