Federal Bank Imperio Credit Card
The Federal Bank Imperio Credit Card is a premium credit card from Federal Bank, with a joining fee of ₹1,500 + GST.
It earns up to 12 pts per ₹150 (≈1.6% value) on healthcare grocery spends in the form of reward points (points).
Cardholders get 2 quarterly domestic airport lounge access, plus amazon pay e-voucher worth ₹400 as a welcome benefit.
- Joining Fee₹1,500
- Annual Fee₹1,500
- Best Suited ForDining
- Reward TypeReward Points (points)
- 12 pts per ₹150 on healthcare grocery
- 8 pts per ₹150 on dining
- Base 0.53% on other spends
- Amazon Pay e-Voucher worth ₹400
FederalsignaturepremiumRewards and Benefits
- ₹50,000 / quarterly: Big Basket vouchers on ₹50,000 quarterly spend
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹128/mo
You spend ₹8,000 · earns 1.6% = ₹128 uncapped
- Valued at realized redemption value
- Dining & food delivery₹85/mo
You spend ₹8,000 · earns 1.1% = ₹85 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.5% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.5% = ₹53/mo
- Utilities & bills₹5,000 · 0.5% = ₹27/mo
₹4,480 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by Federal Bank.
- Joining / annual fee of ₹1,500 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹400 welcome benefit
- Amazon Pay e-Voucher worth ₹400Spend ₹5,000 within first 30 daysWindow: 30 days from issuance.
Accelerated rewards
- 12 pts per ₹150 on healthcare grocery3x rewards on Health Care & Grocery; 4 RP/₹150 base.
- 8 pts per ₹150 on dining2x rewards on Dining; 1x on other categories (base).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹50,000 / quarterly: Big Basket vouchers on ₹50,000 quarterly spend (≈ ₹500 value)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.federal.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 740+
- Income (salaried)
- ₹8,00,000 p.a.
- Income (self-employed)
- ₹8,00,000 p.a.