Federal Bank Imperio Credit Card
Federal Bank Federal Bank

Federal Bank Imperio Credit Card

Joining Fee: 0* Plus Applicable Taxes

Renewal Fee: 0*Plus Applicable Taxes

Joining Fee: 0* + Tax

Renewal Fee: 0* + Tax

Welcome benefits:- Complimentary vouchers for brands like Amazon Pay or Big Basket

Check your eligibility For This Card

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About Federal Bank Imperio Credit Card

The Federal Bank Visa Imperio Credit Card gives you rewards on every transaction and offers benefits for travel, entertainment, and lifestyle. It also comes with welcome perks like complimentary vouchers from popular brands such as Big Basket and Amazon Pay. Keep reading to learn more about its features, fees, and charges.

It is a lifetime free card with no joining or annual fees, making it ideal for enjoying everyday benefits as well as special privileges in travel, entertainment, and lifestyle experiences.

Federal Bank Imperio Credit Card Rewards Program

Reward Points Benefits

  • 3X rewards on Health Care and Grocery spends
  • 2X rewards on essential Utility payments like electricity, gas, mobile postpaid, and other regular monthly bills
  • 1X rewards on all other categories

Other Features and Benefits

Welcome Benefit

  • Get an Amazon Pay e-voucher worth Rs. 400 by spending Rs. 5,000 or more within the first 30 days of card activation.

Milestone Benefits

  • Receive Big Basket vouchers on spending Rs. 50,000 in a quarter.

Fuel Benefits

  • Enjoy a 1% fuel surcharge waiver at all fuel stations in India.

Entertainment Benefits

  • Buy one INOX movie ticket and get one free.

Travel and Airport Lounge Benefits

  • Get two complimentary domestic airport lounge visits per quarter with a minimum quarterly spend of Rs. 40,000.

Dining Benefits

  • Discounts at selected restaurants
  • Lifestyle offers on spas, salons, and online shopping

Special Offers

  • Access curated partner products and special occasion promos under Visa branding.

EMI Conversion Facility

  • Convert high-value purchases into easy EMIs for festive or emergency expenses.

Do Not Call (DNC) Service

  • Opt-in to stop receiving promotional calls or SMS about products and credit cards.

Fees and Charges

Type of ChargeFee
Annual feeNil for cards issued after 3 April 2025
Add-on credit cardRs.100 per add-on credit card, You can add up to 4 cards.
Cash advance fee2.5% of the withdrawn amount or Rs.500 (whichever is higher)
Cash advance limit20%
Overlimit charges
  1. 2.5% of overlimit amount
  2. This is subject to a minimum of Rs.500
Late payment
  1. Up to Rs.250- NIL 
  2. Rs.251 to Rs.1000-Rs.250 
  3. Rs.1001 to Rs.5,000-Rs.500 
  4. Rs.5,001 to Rs.25,000-Rs.1000 
  5. More than Rs.25,000- Rs.1,250 
Returned cheque2% of the payment amount, subject to minimum of Rs.450
Outstation cheque processing fee
  1. Cheque value up to Rs.5,000- Rs.25
  2. Cheque value above Rs.5,000- Rs.50
TDS on cash withdrawals (more than Rs.1 crore)2% applicable on aggregate cash withdrawals
Foreign currency mark-up fee3.5%
Rewards redemption feeRs.99 per redemption request
Cash payment of fee at Federal Bank branchesRs.100
Re-issue of credit cardRs.200

Things to Know Before you apply

Get this card if:

  • You want complimentary domestic lounge visits and discounts on movie tickets.
  • You prefer a card with a nominal annual fee and good overall category advantages.
  • You are not primarily focused on earning high reward points across multiple categories.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Federal Bank Imperio Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Federal Bank Imperio Credit Card Hilights

What do we like about this card?

  • Lifetime free or low annual fee credit card
  • Earn reward points on selected categories: 3X on Health & Grocery, 2X on Utilities, 1X on all other spends
  • Welcome benefit: Amazon Pay e-voucher worth Rs. 400 on spending Rs. 5,000 within 30 days
  • Milestone benefits: Big Basket vouchers on quarterly spends of Rs. 50,000
  • Fuel benefit: 1% fuel surcharge waiver at all fuel stations in India
  • Entertainment benefit: Buy 1 Get 1 free INOX movie ticket

Pros

  • Lifetime free or nominal annual fee
  • Complimentary domestic lounge visits
  • Discounts on INOX movie tickets
  • Lifestyle, travel, and entertainment benefits across multiple categories
  • Reward points earned on selected categories

Cons

  • Reward points benefits are limited to select categories
  • Not suitable for high reward points earners who want points on all spends
  • Annual fee may apply for certain transactions or variants

Federal Bank Credit Card Contact Details

  • Contact Address: Federal Bank Ltd. Federal Towers, Aluva, Ernakulam – 683101, Kerala, India
  • Helpline (24x7):  1800 420 1199 (Toll-Free) +91 484 263 0994 (For international users
  • Simply SMS: Send "CREDITCARD" to 5676762 from your registered mobile number
     

Frequently Asked Questions

Everything you need to know about this credit card

You can avail the Buy One Get One Free (BOGO) movie ticket offer once per quarter. This is applicable only on INOX movie ticket bookings. The maximum discount is Rs. 100; if the ticket price exceeds this amount, the cardholder must pay the remaining balance.

A cash advance fee of 2.5% of the transaction amount is charged. It is recommended to avoid withdrawing cash, as it incurs fees and may impact your credit score.

Yes, you can avail a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at petrol pumps across India. The maximum discount is Rs. 150 per month. Note that the waiver rate may vary depending on the fuel station.

Yes, reward points expire 1 year from the date they are earned. It is advisable to redeem your points before they expire to maximize benefits.

A forex mark-up fee of 3.5% of the transaction amount applies to international transactions.

There are no joining or annual fees if your card is issued after 3 April 2023. Cards issued before this date will continue with the annual fees and terms applicable at the time of issue.

Yes, purchases over a certain threshold can be converted to EMI at a fixed rate. You can apply for EMI conversion via customer service, net banking, or mobile banking. Approval is required before the EMI plan is activated.

Reward points from the 3-2-1 rewards program can be redeemed through Federal Bank’s rewards portal. Redemption options include merchandise, gift vouchers, and travel bookings. Check the latest rewards catalogue and point conversion values on the bank’s website or app.

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