Federal BankFederal Bank Imperio Credit Card
The Federal Bank Imperio Credit Card is a mid-segment lifestyle card offering 3 reward points per ₹100 on dining, travel, and entertainment, and 1 reward point per ₹100 on all other spends.
Top Category Performance
Beginner & Zero Fee (94/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1 – 3
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
25/25
Lounge & Perks
15/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Federal Bank Imperio Credit Card Benefits
Federal Bank Imperio Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 3%
Earn rate
36 months
Point expiry
Federal Bank Imperio Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Federal Bank Imperio Credit Card Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- cash withdrawal transactions excluded from annual fee waiver
- add-on cardholders not eligible for lounge access
- cash transactions not counted for lounge spend
- wallet load and rent payments attract fees
Card Features
🎉 Zero Annual Fee — 100% Net Profit
Federal Bank Imperio Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Federal Bank Imperio Credit Card Eligibility
Employment type
Pros & Cons
- 3x rewards on healthcare and grocery
- 2x rewards on utility bills
- 1% fuel surcharge waiver
- Complimentary domestic lounge access
- Welcome Amazon Pay e-voucher (₹400 on minimum spend of Rs.5,000 in first 30 days)
- No international lounge access
- Reward rate moderate for non-priority categories
Who is this card for?
Federal Bank customers spending ₹20,000–₹60,000/month who want accelerated dining and travel rewards with lounge access in an affordable fee bracket.
Quick Links
Data last updated 6 Aug 2026
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Calculate your exact earnings with Federal Bank Imperio Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.