Federal Bank VISA Imperio Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns Point
First-year fee
₹0
NilAnnual fee
₹0
Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer)What it gives back
1 Point per ₹150 · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining fee
₹0Nil
Annual fee
₹0Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer)
Fee waiver rule
Spend ₹1,50,000/- in current year and get a waiver on next year’s annual membership fee. Above condition is not applicable for customers onboarded with effect from 03rd April 2023, since no AMC is charged
Add-on card fee
₹100 + GST₹100 + GST per card
Welcome offer
Welcome benefit
Amazon Pay e-Voucher worth ₹400 on minimum spend of ₹5,000 in first 30 days
Rewards
Reward rate
1 Point per ₹150 · everyday spends1 Point per ₹150/- Spend.
Groceries earning
3x rewards on spends for Health Care, Grocery categories.
Utilities earning
2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc)
Reward exclusions
No Reward Points will be accrued on cash transactions, Fuel expenditures, E-wallet loading and Government transactions.
Reward caps
Reward Points accrued for Insurance transactions will have a monthly capping of 250 points per card per calendar month.
Catalogue redemption
Each Federal Reward Point is valued at ₹0.25.
Statement-credit redemption
Redemption of Reward Points towards ‘Cash’ to the Card Account will be computed at 10 paise per point.
Card benefits
Domestic lounge access
Complimentary lounge access – Spend ₹40,000 or more in a quarter to enjoy 2 Domestic Lounge access in the next quarter.
Dining programme
Dining offers at partner hotels through FedDelights program giving upto 15% discounts
Milestone benefits
Complimentary Big Basket vouchers on quarterly spends of ₹50,000.
Movie or entertainment ticket benefit
BOGO Offers (Buy One Get One) on INOX movie tickets, once a quarter.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India.
Add-on card eligibility
Add-on Credit Card is a supplementary Credit Card which can be issued to Primary card holder’s family members, within the credit limits and liability of the primary card holder; share existing Credit card limit and features with up to 4 family members
Purchase to EMI conversion
You can convert your spends to flexible EMIs and repay in multiple tenures of your choice, either at the time of purchase or after the purchase.
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
Dynamic currency conversion fee: 3.5%.
Cash advance fee
2.5% of amount withdrawn or ₹500 whichever is higher.
Cash advance interest
Interest charges are paid at the monthly percentage rate, as specified in the KFS, on cash advances taken by the Card Member, till they are paid back
Cash withdrawal limit
Cash advance limit: 20%
Interest on unpaid balance
Starting from 1.99% (23.88% pa) to 3.75% (45% pa) depending on your Banking relationship with us
Interest-free period
Up to 48 days
Late payment fee
₹1,250 (Total Amount Due ₹25001 & above)
Over-limit fee
2.5% of over-limit amount, subject to a minimum of ₹500/-, only for eligible customers
Payment return or dishonour fee
Return payment charges: 2% of payment amount subject to minimum of ₹450/
Card replacement fee
Reissue of lost, stolen or damaged card: ₹200/.
Cash payment / cash deposit fee
₹100/
Reward redemption fee
₹99/- per redemption request
Wallet load charge
A fee of 1% of the transaction amount is levied on wallet load transactions, along with the applicable taxes
Rent transaction fee
A fee of 1% of the total transaction amount is levied on rental transactions, along with the applicable taxes
GST note
GST will be applicable on all fees, interest and other charges at rates as notified by the Government of India from time to time
Minimum amount due
Minimum repayment amount/ minimum amount due: 5% or Minimum of ₹100/
Eligibility
Minimum age
Minimum 18 years of age to apply for a Secured Federal Credit Card and minimum 21 years of age to apply for a Unsecured Federal Credit Card
Documents required
PAN, Aadhar Card, Last 3 Months bank statement (PDF), (For salaried, salary crediting bank account statement required), Income Tax Login Credentials (for non-salaried/self-employed clients)
Residency
Indian resident or a Non-resident Indian (NRI)
In the terms, not the brochure (4)
Spend that unlocks lounge visits in the next period
Spend ₹40,000 or more in a quarter.
What happens to unredeemed points if the card is closed
Reward Points earned but not redeemed at the time of death of the Card Member or before cancellation/termination of the Card shall be forfeited.
Whether carrying a balance ends the interest-free period
Free of interest only if all previous dues are paid in full and there is no outstanding balance carried over from previous months. If the Total Amount Due is not paid by the payment due date, there will be no interest free period
Spends that do not count toward the fee waiver
Cash Withdrawal transactions are excluded from the spend condition for waiver of annual membership fee
How we know - 3 documents from Federal Bank, checked 19 Oct 2026
On these lists
₹0 for life
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