Federal Bank
Imperio Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Earn 3X Reward Points on Grocery & Health Care Spends
plus a complimentary BigBasket voucher worth ₹300 on quarterly spends of ₹50,000
Enjoy 2 Complimentary Domestic Airport Lounge
Visits Every Quarter Unlocked by spending ₹40,000 or more in the immediately preceding quarterly spend cycle
Best For
Grocery Shopping
Travel
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3.6LPA
Credit
Rating*
700+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- ₹400 Amazon Pay e-Voucher on ₹5,000 spend within the first 30 days
- 2 complimentary domestic airport lounge visits per quarter on ₹40,000 quarterly spend
- complimentary BigBasket voucher worth ₹300 on ₹50,000 quarterly spend
- Buy One Get One on INOX movie tickets once a quarter; a 3-month Times Prime membership on retail spends over ₹30,000 in a quarter
Milestone Benefits
Voucher Benefit(Worth ~ ₹1,200)
Spend ₹50,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Rate =₹0.25
Redemption Options
- Gift Vouchers
- Merchandies
- Movie Tickets
- Flight & Hotel Bookings
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
ATM Withdrawal
Fuel
Government Services
E-Wallet Loading
Rent
Financial Institutions
Quasi Cash
Insurance
For Spends Waiver
ATM Withdrawal
Fuel
Government Services
E-Wallet Loading
Rent
Financial Institutions
Quasi Cash
Insurance
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 1.99% to 3.75% per month 23.88% to 45% per annum, based on your average monthly balance / banking relationship, apply on unpaid outstanding balances until the amount is fully repaid | 1.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption request | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is levied when the credit card outstanding is paid in cash over the Branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹0 |
| ₹251 - ₹1000 | ₹250 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹25000 | ₹ 1000 |
| Above ₹25000 | ₹1250 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 3X Reward Points on Grocery & Health Care Spends
plus a complimentary BigBasket voucher worth ₹300 on quarterly spends of ₹50,000
Enjoy 2 Complimentary Domestic Airport Lounge
Visits Every Quarter Unlocked by spending ₹40,000 or more in the immediately preceding quarterly spend cycle
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