Welcome Benefit: Uses will get an Amazon Pay e-voucher worth INR 400 on a minimum spend of INR 5,000 in the first 30 days.
.png)
Federal Bank Visa Imperio
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Uses will get an Amazon Pay e-voucher worth INR 400 on a minimum spend of INR 5,000 in the first 30 days.
Milestone Benefits
Milestone Benefit: Complimentary Big Basket vouchers on quarterly spends of INR 50,000.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 1 reward point for spending INR 100.
General Cashback Rate: 0.25%
Cardholder will get 3x reward points on spending on health Care and grocery categories.
Healthcard And Grocery Cashback rate: 0.75%.
Cardholder will get 2x rewards on spending for Utility categories (like bill payments for electricity, gas, mobile etc).
Utility Cashback Rate: 0.50%
Movie Benefits
Buy One Get One offer on INOX movie tickets, once a month.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
2 free international lounge visits every year.
2 free domestic lounge visists every quarter. Subject to minimum spend of INR 60,000 in the previous quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Uses will get an Amazon Pay e-voucher worth INR 400 on a minimum spend of INR 5,000 in the first 30 days.
Milestone Benefits
Milestone Benefit: Complimentary Big Basket vouchers on quarterly spends of INR 50,000.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 1 reward point for spending INR 100.
General Cashback Rate: 0.25%
Cardholder will get 3x reward points on spending on health Care and grocery categories.
Healthcard And Grocery Cashback rate: 0.75%.
Cardholder will get 2x rewards on spending for Utility categories (like bill payments for electricity, gas, mobile etc).
Utility Cashback Rate: 0.50%
Movie Benefits
Buy One Get One offer on INOX movie tickets, once a month.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
2 free international lounge visits every year.
2 free domestic lounge visists every quarter. Subject to minimum spend of INR 60,000 in the previous quarter.
Fees & Charges of
Federal Bank Visa Imperio
Joining Fee
INR 0
Annual Fee
Annual membership fee: INR 0.
Cash Advance Fee
2.5% of amount withdrawn or Rs. 500 whichever is higher.�
Interest rate
41.88% p. a
Late Payment Fee
Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.
Foreign Currency Transactions Fee
International Forex Markup: 3.5%
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500. | 1% Fuel surcharge on all fuel transactions (waiver on spends between Rs.400/- to Rs.5000/- on all petrol pumps for Imperio category up to Rs.150/- per month)
Joining Fee
INR 0
Annual Fee
Annual membership fee: INR 0.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
41.88% p. a
Late Payment Fee
Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.
Foreign Currency Transactions Fee
International Forex Markup: 3.5%
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500. | 1% Fuel surcharge on all fuel transactions (waiver on spends between Rs.400/- to Rs.5000/- on all petrol pumps for Imperio category up to Rs.150/- per month)
Fee and Charges of
Federal Bank Visa Imperio
Special Features
Complimentary Big Basket vouchers on quarterly spends of ₹50,000.
Eligibility Criteria
Age –Minimum 18 years of age to apply for a Secured Federal Credit Card. & minimum 21 years of age to apply for a Unsecured Federal Credit Card.
Credit history – A good credit history will help you in getting you a Credit Card easily.
Nationality – While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI)
Speical Feature, Eligibility and Benefits of
Federal Bank Visa Imperio
How to apply for Credit Card?
To apply for a Federal Bank Visa Imperio credit card, you can follow these steps:
Visit the Federal Bank website and click on the "Credit Cards" tab.
Select the "Visa Imperio Credit Card" and click on "Apply Now".
Fill in the online application form with your personal and financial details.
Review your application and click on "Submit".
Documents required:
KYC documents (PAN card, Aadhaar card, etc.)
Income proof (salary slips, bank statements, etc.)
Address proof (utility bills, passport, etc.)
Once you have submitted your application, Federal Bank will process it and get back to you within a few business days. If your application is approved, you will receive your credit card in the mail within a few weeks.
Contact Details
Account Opening and Procedure of
Federal Bank Visa Imperio
Overall, the Federal Bank Visa Imperio credit card offers a good balance of affordability, everyday benefits, and rewards suitable for families and budget-conscious individuals. However, the limited maximum reward points, lower rate on non-preferred categories, and high interest rate are limitations to consider. If you're a high spender, frequent traveler, or prioritize specific features like travel insurance or wider redemption options, explore other cards in the market.
Overall, the Federal Bank Visa Imperio credit card offers a good balance of affordability, everyday benefits, and rewards suitable for families and budget-conscious individuals. However, the limited maximum reward points, lower rate on non-preferred categories, and high interest rate are limitations to consider. If you're a high spender, frequent traveler, or prioritize specific features like travel insurance or wider redemption options, explore other cards in the market.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai