top of page

Federal Bank Visa Imperio

Product Details
Credit Card Name : 

Federal Bank Visa Imperio

Bank Name :

Federal Bank

Type :

Regular Credit Card

Interest Rate : 

Depends on your bank balance maintained in Federal Bank Saving Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001- 10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).

Eligibility :

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)

Federal Bank Visa Imperio
Pros
  • Welcome Benefit: Get an Amazon Pay e-Voucher worth ₹400 on a minimum spend of Rs.5,000 in the first 30 days.

  • Reward System: Get 3x rewards on spending for Health Care and grocery categories, 2x rewards on spending for Utility categories (like Bill payments for Electricity, Gas, mobile, etc), and 1x rewards for other categories. (Effective Cashback Rate: 1.5%) 

  • Milestone Benefit: Complimentary Big Basket vouchers on quarterly spends of ₹50,000.

  • Other Benefits: Buy One Get One offer on INOX movie tickets, once a quarter. Complimentary Lounge Access- twice a quarter at domestic airports

Cons
  • Low reward points. 

  • No international lounge access program is available 

  • There are a limited number of offers provided with this card in comparison to other credit cards.

Pros & Cons
Welcome Benefits

Welcome Benefit- Get an Amazon Pay e-Voucher worth ₹400 on a minimum spend of Rs.5,000 in the first 30 days.

Rewards System

Reward System- 

1 Federal Reward Point = INR 0.25 You will get 1 reward point on a spend of INR 150. 3-2-1 rewards structure- Get 3x rewards on spending for Health Care and grocery categories, 2x rewards on spending for Utility categories (like Bill payments for Electricity, Gas, mobile etc), and 1x points on all other categories.

Effective Cashback Rate: 1.5%

International Forex Markup

3.5%.

Welcome Benefits and Reward System
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)

Benefits
  • Amazon gift voucher worth Rs. 400

  • Movie & Dining offers

  • Complimentary domestic lounge access. 

  • Grocery rewards

Speical Feature, Eligibility and Benefits
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
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.

Abhijeet Saxena

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

Product Review

Yes Bank Card Anq Phi Credit Card

YES BANK Anq Pi Credit Card

Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card

Recommended Credit Cards
Compare
Fees & Charges
  • Joining fee: INR 0 

  • Annual membership fee: INR 0. 

  • Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. 

  • 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. 

  • 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)

  • International Forex Markup: 3.5%

Fuel Surcharge

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)

Billing Cycle

30 days.

Fees & Charges
bottom of page