Federal Bank
Federal Bank Imperio Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
Amazon Pay Vouchers Worth ₹400
Product Highlights
- Lifetime free credit card
- Complimentary domestic airport lounge access
Category Rewards
Specialty
3X on Healthcare + Grocery
3X
grocery
3X on Healthcare + Grocery
3X
utilities
2X on Utilities
2X
Specialty
2X on Utilities
2X
Specialty
2X on Utilities
2X
Specialty
2X on Utilities
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
3 Reward Points for every ₹150
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3K
Federal Bank Reward Points
₹750
via statement credit · ₹0.25/pt
Effective rate
0.39%
Annual fee
FREE
Year 1 net
+₹1,150
incl. welcome
Year 2+ net
+₹750
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
2 domestic lounge visits in next quarter
Complimentary BigBasket vouchers
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Wallet load surcharge
1%Charged on every wallet load
Utility payment surcharge
1%Charged on every utility bill payment
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 Reward Points for every ₹150 spent on groceries and health care categories, 2 Reward Points for every ₹150 spent on utility categories like bill payments, and 1 Reward Point for every ₹150 spent on other categories.
- 1 Reward Point is Valued at ₹0.25
Benefits & Features
Domestic: 2 Complimentary Domestic Lounge Access Every Quarter Available to all users of this card irrespective of spending.
Pros & Cons
Pros
- The card is a lifetime free credit card
- The card is available on the Visa and Mastercard networks
Cons
- The card unfortunately does not provide complimentary international airport lounge access
- The card includes limited lifestyle perks
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks