Federal Bank Imperio Credit Card
Federal Bank’s family card, free for customers onboarded since April 2023: 1 point per ₹150 (₹0.25 each), 3x on groceries and health care and 2x on utility bills, BigBasket vouchers on quarterly spend and two domestic lounge visits a quarter. Every figure below is copied from Federal Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Read in a browser on 16 October 2026; Federal Bank's site blocks automated reading, so this page is re-checked by hand. Federal Bank's site blocks automated reading and this link downloads a file, so the MITC was read from a copy the site owner saved from federal.bank.in on 16 October 2026.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| No joining or annual fee for customers onboarded since 3 April 2023: Federal Bank’s MITC lists ₹1,500 joining and annual fees but says they do not apply to them (a limited-period offer on the product page). | |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated MITC.
| Spend | Earns | Cap |
|---|---|---|
| 3x on grocery (and health care) | 3 points per ₹150 Product page | no cap on record |
| 2x on utility bills (electricity, gas, mobile) | 2 points per ₹150 Product page | no cap on record |
| Insurance premiums, base rate up to 250 points a month | 1 point per ₹150 MITC | up to 250 points a month MITC |
| Other spends | 1 point per ₹150 MITC | no cap on record |
No rewards on
Benefits
- Lounges: 2 domestic lounge visits in the next quarter — ₹40,000 of spend in a quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹150 a month MITC
- Welcome: ₹400 Amazon Pay e-voucher on ₹5,000 of spend in the first 30 days Product page
- Milestone: ₹300 BigBasket voucher for every calendar quarter with ₹50,000 of spend Terms
Also on this card
Quoted from Federal Bank; not counted in the net value.
- 3x reward points on health care spends Product page
- Buy one get one on INOX movie tickets, up to ₹100 off, once a quarter Product page
- Add a RuPay Wave card in FedMobile for UPI payments, on the same credit limit Terms
Eligibility
- Age 21 or above (18 for a secured card against a fixed deposit) Product page
- Indian resident or NRI Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Where Federal Bank’s documents differ, and what is used
- Base rate: Federal Bank’s card listing says “Earn 3, 2, or 1 point per ₹100 spent across all card variants”; its MITC of 7 September 2026 gives 1 point per ₹150 for Imperio. The MITC is used, with the 3x and 2x categories as multiples of it.
The quotes behind the figures
25 figures, each copied from an official Federal Bank document.
Show every quote and source
“Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer).”
“Foreign Currency Markup Fee 3.5% 3.5% 2% 3.5% 3.5%”
“Each Federal Reward Point is valued at Rs. 0.25.”
“Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories.”
“Imperio 1 Point per Rs 150/- Spend”
“The Reward Points accrued for Insurance transactions (6300 & 5960) will have a monthly capping of 250 points per card per calendar month.”
“No Reward Points will be accrued on cash transactions, Fuel expenditures, E-wallet loading and Government transactions.”
“Rent payments made via Card will not accrue Reward Points.”
“BOGO on INOX up to Rs. 100 off”
“The changes on lounge access will be applicable from 15th July 2025.”
“Only customers who have received offer specific communication by Federal Bank (email, SMS, WhatsApp, etc.) for this offer can apply for the same.”
“Charges/ Taxes Signet Imperio Celesta Wave Card VALUEMAX”
“*Above condition is not applicable for customers onboarded with effect from 03rd April 2023 (Except VALUEMAX variant). Rs. 750/-* Rs. 1500/-* Rs. 3000/-* NIL (for virtual cards])”
“Redemption of Reward Points towards 'Cash' to the Card Account will be computed at 10 paise per point.”
“Rs. 99/- per redemption request (NIL for VALUEMAX variant)”
“Complimentary lounge access – Spend INR 40,000 or more in a quarter to enjoy 2 Domestic Lounge access in the next quarter.”
“1% surcharge waiver on spends between Rs.400/- to Rs.5000/- on all petrol pumps in India for Imperio and Celesta category up to Rs.150/- per month.”
“Get Amazon Pay e-Voucher worth ₹400 on minimum spend of Rs.5,000 in first 30 days.”
“Federal Bank Imperio Credit Card 50,000 BigBasket Voucher worth INR 300”
“BOGO Offers* (Buy One Get One) on INOX movie tickets, once a quarter”
“Perfect blend of Credit and UPI convenience!”
“minimum 21 years of age to apply for a Unsecured Federal Credit Card.”
“While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI)”
“Browse credit cards like Celesta, Imperio, Signet, Scapia and pick the one that suits your needs.”
“VISA Imperio Credit Card”
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