Federal Bank

VISA

Imperio

Federal Bank Imperio

Lifetime-free (limited-period offer) Federal Bank card with 3X rewards on groceries and healthcare, domestic lounge access, and 1% fuel surcharge waiver.

groceriesfees-freelifestyle

Also available on Mastercard

Federal Bank Imperio is issued on more than one network — each has different rewards and lounge access.

Federal Bank
Imperio
Mastercard variant
Same underlying Imperio product as the Visa variant, with two documented differences: the INOX movie-ticket BOGO offer is capped at ₹100 off on this Mastercard variant (the Visa variant lists the same BOGO offer with no stated cap), and this variant swaps Visa's 'FedDelights' partner-hotel dining discounts for Federal Bank's 'Mastercard Shop Perks' cashback platform — Federal Bank's own page describes this only as 'ongoing attractive cashback offers, across various brands,' with no partner count or brand list published.

Last reviewed 18 July 2026

Fees

Joining fee

₹1,500

Annual fee

₹1,500

Waiver: Lifetime free under a limited-period offer effective for customers onboarded from 3 April 2023 onward (no joining or annual fee charged). Federal Bank's own schedule of charges lists a base joining/annual fee of ₹1,500 for Imperio that would otherwise apply if this promotional waiver is withdrawn; for customers outside the promotional window, the joining fee is waived on spending more than ₹20,000 within the first 3 months, and the following year's annual fee is waived on spending ₹1,50,000 or more in the current year.

Eligibility

Age: 21+ yrs

Employment: salaried, self employed

Rewards

groceries3x points

all other1x points

Welcome benefits

• Amazon Pay e-Voucher worth ₹400 on spending ₹5,000 or more within the first 30 days of card issuance

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter (8/year), unlocked only if card spend in the preceding quarter was ₹40,000 or more; no visits in a quarter that doesn't meet the spend threshold
✓Fuel surcharge waiver: 1%
✓Forex markup: 3.5%
✓Federal Bank's own published '3-2-1' reward structure actually grants 3x points on Healthcare spends (in addition to Grocery) and 2x points on Utility bill payments (electricity, gas, mobile) — these two categories don't map cleanly onto this site's standard reward-category taxonomy, so they're noted here rather than as separate rows above
✓Complimentary BigBasket vouchers on ₹50,000 or more spend within a quarter
✓Cash advance limit is 20% of total credit limit; cash advance fee is 2.5% of amount withdrawn or ₹500, whichever is higher
✓Reward points redemption carries a flat ₹99 fee per redemption request
✓Dynamic currency conversion (DCC) is applied on foreign-currency transactions at the same 3.5% markup rate; the cardholder can accept or decline DCC at the point of transaction
✓No international lounge access is listed for Imperio (unlike some other Federal Bank cards in the same lineup) — only domestic lounge access is offered
✓Available in both Visa and Mastercard network variants with identical publicly listed fees and reward structure; the Mastercard variant swaps the Visa-side 'FedDelights' dining discounts (up to 15% at partner hotels) for ongoing 'Mastercard Shop Perks' cashback deals

Common questions

What is the annual fee on the Federal Bank Imperio?: The joining fee is ₹1,500. The annual fee is ₹1,500. Lifetime free under a limited-period offer effective for customers onboarded from 3 April 2023 onward (no joining or annual fee charged). Federal Bank's own schedule of charges lists a base joining/annual fee of ₹1,500 for Imperio that would otherwise apply if this promotional waiver is withdrawn; for customers outside the promotional window, the joining fee is waived on spending more than ₹20,000 within the first 3 months, and the following year's annual fee is waived on spending ₹1,50,000 or more in the current year.
What are the reward rates on the Federal Bank Imperio?: Federal Bank Imperio earns 3x points on groceries, 1x points on all other spends.
Does the Federal Bank Imperio offer airport lounge access?: Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter (8/year), unlocked only if card spend in the preceding quarter was ₹40,000 or more; no visits in a quarter that doesn't meet the spend threshold).
Who is eligible for the Federal Bank Imperio?: Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Federal Bank and can vary by application.
Is the Federal Bank Imperio available on other networks?: Yes, it's also issued on Mastercard. Same underlying Imperio product as the Visa variant, with two documented differences: the INOX movie-ticket BOGO offer is capped at ₹100 off on this Mastercard variant (the Visa variant lists the same BOGO offer with no stated cap), and this variant swaps Visa's 'FedDelights' partner-hotel dining discounts for Federal Bank's 'Mastercard Shop Perks' cashback platform — Federal Bank's own page describes this only as 'ongoing attractive cashback offers, across various brands,' with no partner count or brand list published.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

GroceriesBest rate

₹

3x points

Everything else

₹

1x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

CompareView details →

Annual fee

₹10,000

Up to

2x points

CompareView details →

Annual fee

₹5,000

Up to

2x points

CompareView details →

Fees

Joining fee

₹1,500

Annual fee

₹1,500

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter (8/year), unlocked only if card spend in the preceding quarter was ₹40,000 or more; no visits in a quarter that doesn't meet the spend threshold

✓Fuel surcharge waiver: 1%

✓Forex markup: 3.5%

✓Federal Bank's own published '3-2-1' reward structure actually grants 3x points on Healthcare spends (in addition to Grocery) and 2x points on Utility bill payments (electricity, gas, mobile) — these two categories don't map cleanly onto this site's standard reward-category taxonomy, so they're noted here rather than as separate rows above

✓Complimentary BigBasket vouchers on ₹50,000 or more spend within a quarter

✓Cash advance limit is 20% of total credit limit; cash advance fee is 2.5% of amount withdrawn or ₹500, whichever is higher

✓Reward points redemption carries a flat ₹99 fee per redemption request

✓Dynamic currency conversion (DCC) is applied on foreign-currency transactions at the same 3.5% markup rate; the cardholder can accept or decline DCC at the point of transaction

✓No international lounge access is listed for Imperio (unlike some other Federal Bank cards in the same lineup) — only domestic lounge access is offered

✓Available in both Visa and Mastercard network variants with identical publicly listed fees and reward structure; the Mastercard variant swaps the Visa-side 'FedDelights' dining discounts (up to 15% at partner hotels) for ongoing 'Mastercard Shop Perks' cashback deals

Common questions

What is the annual fee on the Federal Bank Imperio?

The joining fee is ₹1,500. The annual fee is ₹1,500. Lifetime free under a limited-period offer effective for customers onboarded from 3 April 2023 onward (no joining or annual fee charged). Federal Bank's own schedule of charges lists a base joining/annual fee of ₹1,500 for Imperio that would otherwise apply if this promotional waiver is withdrawn; for customers outside the promotional window, the joining fee is waived on spending more than ₹20,000 within the first 3 months, and the following year's annual fee is waived on spending ₹1,50,000 or more in the current year.

What are the reward rates on the Federal Bank Imperio?

Federal Bank Imperio earns 3x points on groceries, 1x points on all other spends.

Does the Federal Bank Imperio offer airport lounge access?

Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter (8/year), unlocked only if card spend in the preceding quarter was ₹40,000 or more; no visits in a quarter that doesn't meet the spend threshold).

Who is eligible for the Federal Bank Imperio?

Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Federal Bank and can vary by application.

Is the Federal Bank Imperio available on other networks?

Yes, it's also issued on Mastercard. Same underlying Imperio product as the Visa variant, with two documented differences: the INOX movie-ticket BOGO offer is capped at ₹100 off on this Mastercard variant (the Visa variant lists the same BOGO offer with no stated cap), and this variant swaps Visa's 'FedDelights' partner-hotel dining discounts for Federal Bank's 'Mastercard Shop Perks' cashback platform — Federal Bank's own page describes this only as 'ongoing attractive cashback offers, across various brands,' with no partner count or brand list published.

Federal Bank Imperio

Also available on Mastercard

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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Federal Bank Imperio

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Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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