Federal Bank Imperio Credit Card
Updated 3 Jul 2026Source-linked
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.
Federal Bank Imperio Credit Card
- Joining Fee₹1,500
- Annual Fee₹1,500
- Best Suited ForDining
- Reward TypeReward Points (points)
Rewards Rate
- 12 pts per ₹150 on healthcare grocery
- 8 pts per ₹150 on dining
- Base 0.53% on other spends
Welcome Benefits
- Amazon Pay e-Voucher worth ₹400
FederalsignaturepremiumRewards and Benefits
Rewards Rate
12 pts per ₹150 on healthcare grocery
8 pts per ₹150 on dining
Base 0.53% on other spends.
Reward Redemption
FedRewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon Pay e-Voucher worth ₹400
Milestone Rewards
- ₹50,000 / quarterly: Big Basket vouchers on ₹50,000 quarterly spend
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
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
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- 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
Domestic
2 visit(s) / quarterly. Via visa.
2 domestic lounge visits next quarter on ₹40,000 quarterly spend.
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.