Federal Bank
Federal Bank Imperio Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.17% base, up to 0.5% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹150 a month
- Cash withdrawal fee2.5% of the amount (minimum ₹500)
- Add-on card₹100
- Rent payments1% of the amount
01Federal Bank Imperio Credit Card Rewards and Benefits
02Federal Bank Imperio Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹150 a month
- Card replacement
- Not published
- Cash withdrawal fee
- 2.5% of the amount (minimum ₹500)
- Add-on card
- ₹100
- Rent payments
- 1% of the amount
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 0.5%₹25
- ₹15,000 on everything else, earning 0.17%₹26
- Back each month, ₹612 a year₹51
- In your pocket each year₹612
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 0.5% back
- Utility bills: 0.33% back
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
Skip it if…
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on groceries: the 0.5% rate applies only there, everything else earns 0.17%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Federal Bank Imperio Credit Card earns Rewards
0.17% base, up to 0.5% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.17% | No cap | The card's normal rate |
| Dining and food delivery | 0.17% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | All merchants in the categoryTerms: 3x, 3 Reward Points per ₹150. The same 3x rate also applies to the healthcare category, which has no separate slot in our category model. |
| Travel: flights, hotels, trains | 0.17% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.33% | No cap | All merchants in the categoryTerms: 2x, 2 Reward Points per ₹150 on utility bill payments including electricity, gas and mobile |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.17% | ₹63 | All merchants in the categoryTerms: Insurance premiums earn the base rate but are capped at 250 Reward Points per card per calendar month, a limit Federal introduced on 15 July 2024. This is a cap, not an exclusion, insurance does still earn. |
| School and college fees | 0.17% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.17% | No cap | The card's normal rate |
| Everything else | 0.17% | No cap | The card's normal rate |
Terms on the base rate. 1 Reward Point per ₹150 (1x base). Rent, fuel, government, e-wallet loading, cash, quasi-cash and financial institution spends earn nothing; insurance points are capped at 250 a month.
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Federal Bank Imperio Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Spend Rs 40,000 in the qualifying billing cycle for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.17% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver at petrol pumps across India, on transactions of ₹400 to ₹5,000 only and capped at ₹150 a month. GST on the surcharge is not reversed. Fuel spends earn no reward points, so the waiver is the only benefit fuel carries here.
- Airport lounge access: Spend ₹40,000+ in a qualifying cycle (21st to 20th, not the calendar quarter) to unlock 2 domestic lounge visits the next quarter. Primary cardholder only, add-on holders are excluded; cash and ATM spend do not count; unused visits do not carry forward.
- Milestone bonuses: BigBasket voucher worth ₹300 for spending ₹50,000 in a quarter (₹2 lakh a year to qualify every quarter). Federal's two T&C pages disagree on frequency, one says once a calendar quarter the other once a financial year, so we value it at one voucher a year until that is resolved.
- Movie ticket offers: Buy-one-get-one on INOX movie tickets once a quarter, capped at ₹100 off per use, up to ₹400 a year.
06Federal Bank Imperio Credit Card Eligibility and Documents
- Age
- 21 years and above
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Federal Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 10 Jan 2026 | Changed: Interest rate repriced to an Average-Monthly-Balance-linked scaleSource: Federal Bank | Flat card APR | AMB-linked: 45% p.a. under ₹50,000 balance down to 8.28% p.a. above ₹10,00,000 |
| 3 Apr 2023 | Changed: Card becomes Lifetime Free for new applicantsSource: Federal Bank | ₹1,500 joining and ₹1,500 annual fee | ₹0, no joining fee, no membership fee |
| 3 Sept 2021 | Changed: Federal Bank launches the Imperio, its own-brand Visa card | - | 1 Reward Point per ₹150; joining + annual fee ₹1,500 |
See this card's change history → · All card changes in January 2026 →
08Cards Similar to Federal Bank Imperio Credit Card
Federal Bank Imperio Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Federal Bank Imperio Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.17% base, up to 0.5% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Federal Bank Imperio Credit Card Bill
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Common Questions
What is the joining fee for the Federal Bank Imperio Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Federal Bank Imperio Credit Card?
The annual fee is Free.
Does the Federal Bank Imperio Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Federal Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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