Federal Bank Imperio Credit Card

Name: Federal Bank Federal Bank Imperio Credit Card
Brand: Federal Bank
Rating: 2.76 (1 reviews)

Ranked #112 of 170 in credit

creditVisa/MastercardEntry-Family

Federal Bank's family-oriented lifetime-free credit card offering 3X rewards on grocery/healthcare, 2X on utility bills, with domestic lounge access and BigBasket voucher milestones.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value8/100 · weight 71%

≈ 0.40% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.2% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks40/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Reward structure

Category	Type	Rate	Cap	Notes
groceries_offline	points	0.75%(3 pts @ ₹0.25)	—	3X reward points on grocery & healthcare spends
groceries	points	0.50%(2 pts @ ₹0.25)	—	—
online_spends	points	0.50%(2 pts @ ₹0.25)	—	—
dining	points	0.50%(2 pts @ ₹0.25)	—	—
travel	points	0.50%(2 pts @ ₹0.25)	—	—
utilities	points	0.50%(2 pts @ ₹0.25)	—	2X reward points on utility bill payments
all_spends	points	0.25%(1 pts @ ₹0.25)	—	1X base rate on other categories
fuel	points	0.25%(1 pts @ ₹0.25)	—	—

Welcome offer

Amazon Pay e-voucher worth Rs400 on Rs5,000 spend in first month

Milestone benefits

Pros

Genuinely lifetime free with decent grocery/healthcare/utility accelerated rewards
family-oriented benefits (grocery/healthcare focus)
lowest dynamic APR in Federal lineup (5.88% p.a. onwards)
free lounge access with achievable spend threshold

Cons

No international lounge access
movie discount capped once per quarter
reward redemption carries a minimum fee (~Rs99)
"lifetime free" positioning is stated as a limited-period bank offer, not contractually permanent

What's inside

More benefits

BOGO INOX movie tickets
₹300
Buy one get one free movie ticket offer at INOX once per calendar quarter
Cap ₹1,200 / quarterly. None specified beyond quarterly limit
BigBasket voucher milestone
₹500
Complimentary BigBasket vouchers on Rs50,000 spend in a quarter
Cap ₹2,000 / quarterly. Rs50,000 spend in a quarter

Insurance cover

text: ₹NaN

Eligibility

text: Age 21+ (unsecured) / 18+ (secured); Indian resident/NRI; good credit history

Small print

Fuel surcharge:1% fuel surcharge waiver across fuel stations