Federal Bank Imperio Credit Card: Features & Fees

Summary

The provided Federal Bank Imperio Credit Card is a high-end credit card with features that are unique for a credit card. It is suitable for those who desire rewards, travel benefits, and lifestyle privileges. It is ideal with a set of benefits such as reward points, complimentary airport lounge access, fuel surcharge refund, and specialized discounts on dining, shopping, and travel.

With this card, you get 3 reward points for each ₹100 spent on day-to-day transactions and 5 reward points for foreign spending, dining, and travel. You can get these points converted into cashback, vouchers, or gifts, so every spend is rewarding. Global travelers will love the complimentary airport lounge access (2 times a quarter), which provides a warm and luxurious waiting experience.

The card has a contactless payment feature, allowing you to simply tap and pay for instant and convenient purchases. The card also provides a 1% fuel surcharge refund on transactions between ₹400 and ₹4,000, which allows you to save on fuel expenses. Additionally, customers enjoy special discounts on shopping, travel bookings, and dining at partner merchants, allowing further savings on everyday and high-end spending.

Introduction

If you are looking for a credit card that offers high-end rewards with ease, the Federal Bank Imperio Credit Card can be a good choice. The card is designed for individuals looking for unique rewards, travel privileges, lifestyle benefits, and freedom from financial hassle. It is a contactless Visa credit card, and therefore transactions are quick and convenient. No matter if you like to shop, dine out, travel, or simply require cashback and savings on your purchases, this card has plenty to offer.

One of the best things about the Federal Bank Imperio Credit Card is its rewards program. Each time you purchase with this card, you get rewarded with reward points that you can redeem to get great gifts, vouchers, or cash credits. The card also offers you complimentary airport lounge access, perfect for frequent flyers who like to spend their time in style while going through airports.

The contactless payment feature enables you to make secure payments without inserting or swiping your card. Tap and pay at enabled terminals, and pay faster and safer. The card also provides fuel surcharge waivers, and you’ll save money each time you fill up your vehicle.

If you have a shopaholic soul, the card treats you to insider prices on affiliated brands and websites. From booking tickets for cinemas to booking journeys, you’re given cash back and special offers. It has the added option of EMI, where your high-value shopping can be done in the form of convenient monthly installments.

What is the Federal Bank Imperio Credit Card?

The Federal Bank Imperio Credit Card is a high-end credit card featuring reward, travel, and lifestyle privileges. It’s a Visa contactless card, so you can pay quickly and securely with it by simply tapping at enabled terminals.

You can earn reward points on every spend that you make using this card, get free entry into airport lounges, avail of fuel surcharge rebates, and avail special discounts for travel, dining, and shopping. It also helps you turn your large spends into convenient EMIs, and so it is an intelligent way of taking care of expenses.

What is the design of the Federal Bank Imperio Credit Card?

The Imperio Credit Card of Federal Bank is sleek and trendy with a premium look. It has a trendy black and gold color combination, and it looks classy and sophisticated. The card features the Federal Bank logo and the Visa logo, which means that the card is internationally acceptable.

It also features a contactless payment icon, so you can just tap the card on a machine to pay without having to insert it. The overall design is clean but appealing, so it’s an excellent option for those who want a fashionable and elegant credit card.

What are the benefits of the Federal Bank Imperio Credit Card?

Here are the key advantages of real reward points:

1. Reward Points on Every Spend

• Earn 3 reward points for every ₹100 spent on regular expenses.

• Exchange 5 reward points for every ₹100 spent on dining, travel, and international transactions.

• Exchange points for gifts, vouchers, or cashback.

2. Free Airport Lounge Access

• Get 2 free domestic airport lounge visits per quarter (8 per year).

• Relax in comfort with comfortable seating, free Wi-Fi, and complimentary snacks.

3. Contactless & Secure Payments

• Tap and pay at contactless machines for fast and secure transactions.

• Removes keying in PIN for small-value payments or tapping to pay for small payments.

4. Fuel Surcharge Waiver

• Earn a 1% fuel surcharge refund for spending between ₹400 and ₹4,000 at any fuel outlet in India.

• Up to ₹200 per month in savings on fuel.

5. Special Discounts & Offers

• Offers on dining out, shopping, travel booking, movie tickets, etc., at partner merchants.

• Save on everyday expenses and discretionary spending.

6. EMI Facility

• Bring big purchases within easy monthly repayment (EMI) at minimal rates.

• Helps to take care of many a money worry effortlessly.

7. Lost Card Liability Cover

• If your card is lost or stolen, you enjoy fraud protection as a cover with the prompt reporting of loss.

• Reduces financial loss when fraud is done.

What are the fees for the Federal Bank Imperio Credit Card?

Here is a simple Federal Bank Imperio Credit Card fee breakup.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	3.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Federal Bank Imperio Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Federal Bank Imperio Credit Card?

The documents that you will have to submit to Get a Federal Bank Imperio Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Federal Bank Imperio Credit Card be used?

Here is the list of places where you can use it:

• With the Federal Bank Imperio Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Federal Bank Imperio Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Federal Bank Imperio Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Federal Bank Imperio Credit Card?

The credit limit of the Federal Bank Imperio Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Federal Bank once you have made your application.

How do you apply for a Federal Bank Imperio Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of Federal Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Federal Bank; for instance, you can choose the Federal Bank Imperio Credit Card.

• Just hover your cursor on the Federal Bank Imperio Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Federal Bank branch to apply for the Federal Bank Imperio Credit Card.

• Request for the credit card application form for the Federal Bank Imperio Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Federal Bank Imperio Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Federal Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Federal Bank Imperio Credit Card in 2025 be right?

Yes, getting a Federal Bank Imperio Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Federal Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

Federal Bank Imperio Credit Card is a good choice for the person who wishes to have an upscale credit card with excellent benefits. It awards points on every purchase, earning you money as you eat outside, travel, or shop. The free access to the airport lounge makes it perfect for corporate users and frequent flyers who would like comfort and luxury at the airport. With the contactless payment option, the transactions are quicker and more secure and do not demand swiping or PIN entry for low amounts.

Besides, the waiver on the fuel surcharge ensures that you save on fuel costs, and the exclusive discounts on shopping, holidays, and dining ensure that you receive the best value. In case you make a big purchase, you can easily convert it into affordable EMIs, making your finances easy. The card also offers fraud protection against loss or theft, offering an additional layer of security to your transactions.

Overall, Credit Card is a balanced product that offers rewards, savings, luxury, and security. Whether you are a professional, a traveler, or a shopaholic, this card promises you the maximum returns for your money. If you are looking for a credit card that provides a mix of convenience, benefits, and financial freedom, the Federal Bank Imperio Credit Card is worth a look.

Frequently Asked Questions (FAQ’s)