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Federal Bank
Federal Bank Visa Imperio Credit Card
Visa
Federal Bank Visa Imperio Credit Card
A lifetime-free, family-oriented Federal Bank card with elevated rewards on groceries, healthcare and utilities, plus a low starting APR of 5.88% p.a.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Groceries3%
- Utilities2%
Eligibility
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Amazon Pay e-voucher worth Rs 1,000 as a welcome gift
- 2 complimentary domestic lounge visits per quarter on Rs 40,000+ quarterly spend
- 3x reward points on grocery and healthcare spends, 2x on utility bill payments
Pros
- + Lifetime free
- + Low minimum income requirement (Rs 30,000/month)
- + 3x rewards on groceries and healthcare
Cons
- − Domestic lounge access is spend-gated each quarter
- − No international lounge access
- − Reward categories are narrow (mainly groceries/utilities)
Applying takes you to Federal Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.