Federal Bank VISA Imperio Credit Card
Federal Bank
Annual / renewal fee
₹1500 (Imperio card annual membership / renewal fee per MITC; product page markets attractive onboarding benefits).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Earn rate
- 3x rewards on Health Care & Grocery categories, 2x rewards on Utility categories (Electricity, Gas, mobile bill payments etc.), 1x rewards on other categories.
- Imperio earns 1 Point per ₹150 spend (base).
VerifiedFederal Bank VISA Imperio Credit Card product page3 Aug 2026, 4:45 AM ISTFederal Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at federal.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at federal.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Federal Bank VISA Imperio Credit Card by Federal Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹1500 (Imperio card annual membership / renewal fee per MITC; product page markets attractive onboarding benefits).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Fee waiver
- Spend ₹1,50,000 in a year to get a waiver on next year's annual membership fee (Imperio Card).
- Cash withdrawal transactions are excluded.
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Renewal fee
Imperio - ₹1500 (annual membership/renewal fee per MITC; currently waived under Life-time Free limited period offer).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Rewards
- 3x rewards on Health Care & Grocery categories, 2x rewards on Utility categories (Electricity, Gas, mobile bill payments etc.), 1x rewards on other categories.
- Imperio earns 1 Point per ₹150 spend (base).
VerifiedFederal Bank VISA Imperio Credit Card product page3 Aug 2026, 4:45 AM IST
Reward cap
- Reward Points valid.
- Earned but not redeemed points forfeited on death of card member.
- Points may be cancelled/suspended if account is in arrears, suspension, default or suspected fraud.
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Reward exclusion
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Travel & lounge
Lounge access
Complimentary domestic lounge access - Spend ₹40,000 or more in a quarter to enjoy 2 Domestic Lounge accesses in the next quarter.
VerifiedFederal Bank VISA Imperio Credit Card product page3 Aug 2026, 4:45 AM ISTFederal Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Amazon Pay e-Voucher worth ₹400 on minimum spend of ₹5,000 within first 30 days of card issuance.
VerifiedFederal Bank VISA Imperio Credit Card product page3 Aug 2026, 4:45 AM ISTFederal Bank
Milestone benefit
- BOGO (Buy One Get One) offer on INOX movie tickets, once a quarter.
- And Complimentary Big Basket vouchers on quarterly spends of ₹50,000.
VerifiedFederal Bank VISA Imperio Credit Card product page3 Aug 2026, 4:45 AM ISTFederal Bank
Eligibility
Eligibility
- Card usage valid in India and abroad, but not valid for foreign currency transactions in Nepal and Bhutan.
- Credit Card cannot be used for Overseas Forex Trading.
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Charges & interest
Forex markup
Foreign currency (cross currency) mark-up: 3.5% for Imperio Card.
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Charge
- Cash Advance: 2.5% of amount withdrawn or ₹500 whichever is higher (Cash Advance Limit 10% of Credit Limit).
- Interest on Revolving Credit (APR): 41.88% (3.49%/mo) if AMB < ₹50,000.
- 30.00% (2.49%/mo) for ₹50,000-3,00,000.
- 18.00% (1.49%/mo) for ₹3,00,001-10,00,000.
- 5.88% (0.49%/mo) for > ₹10,00,000.
- 41.88% if no operative account with Federal Bank.
- Minimum Repayment: 5% or minimum ₹100.
- Additional/Add-on Card Fee: max 3 cards at ₹100 per card.
- Late Payment Charges by statement balance: <₹100 = ₹0.
- ₹100-500 = ₹100.
- ₹501-5,000 = ₹500.
- ₹5,001-10,000 = ₹600.
- ₹10,001-25,000 = ₹750.
- ₹25,001-50,000 = ₹950.
- >₹50,000 = ₹1000.
- Over-limit charge: 2.5% of over-limit amount, min ₹500.
- Cheque return/Dishonour/Auto-debit reversal: 2% of payment amount, min ₹450.
- Fee for Cash Payment (at branch): ₹100.
- Rewards Redemption Fee: ₹99 per request.
- EMI/Loan Processing charge: 2.5% of loan amount, min ₹500.
- Loan Pre-Closure: 3% of balance outstanding.
- Reissue of Lost/Stolen/Damaged Card: ₹200.
- Outstation Cheque Processing: ₹25 (up to ₹5,000) / ₹50 (above ₹5,000).
- Forex mark-up: 3.5%.
- GST applicable on all fees, interest and charges (plus 1% Kerala Flood Cess for non-GSTIN customers billed in Kerala).
- In case of default, interest may increase up to 3.49% per month (41.88% p.a.).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India (per MITC: on spends between ₹400 to ₹5000, up to ₹150 per month for Imperio).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Interest-free period
Up to 50 days interest free period (subject to scheme and merchant claim submission; no interest free period if Total Amount Due not paid by due date).
VerifiedMost Important Terms and Conditions (MITC) – Federal Bank Credit Cards3 Aug 2026, 4:45 AM ISTFederal Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Federal Bank VISA Imperio Credit Card?
Officially traced: Rs. 1500 (Imperio card annual membership / renewal fee per MITC.
Most Important Terms and Conditions (MITC) – Federal Bank Credit CardsIs the Federal Bank VISA Imperio Credit Card annual fee ever waived?
Spend Rs. 1,50,000 in a year to get a waiver on next year's annual membership fee (Imperio Card).
Most Important Terms and Conditions (MITC) – Federal Bank Credit CardsHow does the Federal Bank VISA Imperio Credit Card earn rewards?
3x rewards on Health Care & Grocery categories, 2x rewards on Utility categories (Electricity, Gas, mobile bill payments etc.), 1x rewards on other categories.
Federal Bank VISA Imperio Credit Card product pageWhat lounge access does the Federal Bank VISA Imperio Credit Card include?
Complimentary domestic lounge access - Spend Rs. 40,000 or more in a quarter to enjoy 2 Domestic Lounge accesses in the next quarter.
Federal Bank VISA Imperio Credit Card product pageWhat welcome benefit does the Federal Bank VISA Imperio Credit Card offer?
Amazon Pay e-Voucher worth Rs. 400 on minimum spend of Rs. 5,000 within first 30 days of card issuance.
Federal Bank VISA Imperio Credit Card product pageWhat are the transfer ratios for Federal Bank VISA Imperio Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Federal Bank VISA Imperio Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.