CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Federal Bank

Federal Imperio Platinum Debit Card

21
Ranked #61 of 66 in debit
debitVisa/MastercardPremium

Federal Bank's mid-premium debit card offering accessible eligibility, domestic lounge access, and dining discounts for Imperio account holders.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value2/100 · weight 71%
≈ 0.09% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks29/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Waived if AMB Rs75,000+/12 months maintained (Visa Signature Imperio) OR Rs1,50,000+ (Mastercard Imperio)
Forex markup
3%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
groceriespoints0.50%(2 pts @ ₹0.25)—2 Points per Rs 200 channeled locally via Dmart or similar networks
utilitiespoints0.25%(1 pts @ ₹0.25)—1 Point per Rs 200 on all utility clearings

Welcome offer

Up to 2,000 reward points on first POS/eCom transaction

Milestone benefits

Pros

  • Accessible eligibility (Rs2L balance or Rs1L salary credit)
  • tap-to-pay, no-OTP small transactions
  • upgrade path to higher variants
  • 15% dining discount at 550+ restaurants
  • 8 domestic lounge visits/year

Cons

  • No international lounge access at this tier

Insurance cover

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Eligibility

text
Requires Rs2 Lakh balance for new applicants OR Rs1 Lakh salary credit for resident salary customers

Small print

Fuel surcharge:Not a highlighted benefit