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Federal Bank Visa Imperio Credit Card
A lifetime-free, family-oriented Federal Bank card with elevated rewards on groceries, healthcare and utilities, plus a dynamic APR starting at 23.88% p.a. depending on your banking relationship.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter on ₹40,000+ quarterly spend
Benefits by category
- 🛒 Groceries
3% reward rate
- ✈️ Travel
2 complimentary domestic lounge visits per quarter on Rs 40,000+ quarterly spend
- 🧾 Utilities
2% reward rate
Eligibility
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Interest rate: 23.88%–45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400/month
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 (₹40,000 in the prior quarter)
- − No international lounge access
- − Reward categories are narrow (mainly groceries/utilities)