MyFinCards
Visa Imperio

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0.5 Lakhs)

0
Federal Bank
Rewards
Lifestyle
Shopping
Best For: Families with regular healthcare and grocery spends, Those who pay utility bills regularly, Movie enthusiasts using INOX

Visa Imperio

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹50,000 /mo

Points Validity

24 Months

Pros

  • Lifetime free card with zero joining and annual fee
  • 3x rewards on healthcare and grocery spends
  • 2x rewards on utility bill payments
  • Complimentary domestic lounge access on meeting quarterly spend
  • BOGO movie ticket offer on INOX every quarter
  • BigBasket vouchers on quarterly milestone spend
  • 1% fuel surcharge waiver
  • Up to 15% dining discounts via FedDelights

Cons

  • Lounge access conditional on quarterly spend of INR 40,000
  • Nominal fee charged per reward redemption (min ₹99)
  • Add-on card fee of ₹100 + GST per card

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Lounge access in next quarter only after spending INR 40,000 in current quarter

Lifetime free status is a limited period offer

Cash advance limit capped at 20% of credit limit

Key Benefits & Features

Access to wide variety of Visa offers including travel, food, dining, shopping, sports, entertainment and lifestyle

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Last 3 months bank statement (PDF)
Income Tax Login Credentials (for self-employed)
Official Terms & Conditions

About Visa Imperio

The Federal Bank Visa Imperio Credit Card is thoughtfully designed for families seeking maximum value from their everyday spending. Built around a distinctive 3-2-1 rewards structure, cardholders earn 3x reward points on healthcare and grocery purchases, 2x points on utility bill payments such as electricity, gas, and mobile bills, and 1x points on all other spends. This tiered system ensures that the categories families spend on most translate into meaningful rewards. New cardholders are welcomed with an Amazon Pay e-voucher worth Rs. 400 on a minimum spend of Rs. 5,000 within the first 30 days. Ongoing lifestyle benefits include Buy One Get One offers on INOX movie tickets once every quarter, complimentary BigBasket vouchers on quarterly spends of Rs. 50,000, and fabulous dining discounts of up to 15% at partner hotels through the FedDelights program. Additionally, cardholders enjoy a 1% fuel surcharge waiver at all fuel stations across India and complimentary domestic lounge access upon spending Rs. 40,000 or more in a quarter. As a lifetime-free card with no joining or annual membership fee, the Visa Imperio also provides access to a broad range of Visa offers spanning travel, dining, shopping, entertainment, and lifestyle categories, making it a versatile and rewarding companion for the modern Indian family.

Expert Review

Our Verdict

Lifetime free family-focused card with 3x rewards on healthcare & grocery and dining/movie perks.

Frequently Asked QuestionsAbout Visa Imperio

ELIGIBILITYWhat are the eligibility criteria for the Visa Imperio Credit Card?
To apply for the Federal Bank Visa Imperio Credit Card, you must be a minimum of 21 years of age for an unsecured credit card. A good credit history is also required to improve your chances of approval. Indian residents as well as Non-Resident Indians (NRIs) are eligible to apply. The card is subject to internal eligibility checks during the application process.
FEESIs there any joining fee or annual fee for the Visa Imperio Credit Card?
No, the Federal Bank Visa Imperio Credit Card is a Lifetime Free Credit Card with zero joining fee and zero annual membership fee. This is a limited period offer applicable as per Federal Bank's terms and conditions. There are no recurring membership charges, making it a cost-effective choice for everyday spending on healthcare, groceries, and utilities.
REWARDSWhat is the reward points structure on the Visa Imperio Credit Card?
The Visa Imperio Credit Card follows a 3-2-1 rewards structure: you earn 3x reward points on Healthcare and Grocery spends, 2x reward points on Utility bill payments such as electricity, gas, and mobile bills, and 1x reward points on all other categories. This tiered structure is designed to maximize rewards for family-oriented spending on daily essentials and lifestyle needs.
REWARDSAre there any charges for redeeming reward points on the Visa Imperio Credit Card?
Yes, a nominal convenience fee with a minimum of ₹99 is charged per reward redemption request. The actual redemption fee will be displayed at the time of redemption based on the category selected. Cardholders are advised to review the redemption fee before confirming their request to ensure the redemption value outweighs the applicable convenience charge.
APPLICATIONHow can I apply for the Federal Bank Visa Imperio Credit Card?
You can apply for the Visa Imperio Credit Card online by visiting Federal Bank's credit card onboarding platform and clicking on 'Apply Now.' Fill in the required details and submit your application. You will receive updates via email and SMS. Alternatively, you can visit your nearest Federal Bank branch to apply in person. Instant virtual card access is available upon successful application completion via the FedMobile app.
DOCUMENTSWhat documents are required to apply for the Visa Imperio Credit Card?
The documents required to apply for the Federal Bank Visa Imperio Credit Card online include: PAN card, Aadhaar card, last 3 months' bank statement in PDF format (salary crediting account statement for salaried applicants), and Income Tax login credentials for non-salaried or self-employed applicants. These documents help verify your identity, address, and income details during the credit assessment process.
BENEFITSWhat are the entertainment and lifestyle benefits offered on the Visa Imperio Credit Card?
The Visa Imperio Credit Card offers a Buy One Get One (BOGO) offer on INOX movie tickets once every quarter. Cardholders also get complimentary BigBasket vouchers on achieving quarterly spends of ₹50,000. Additionally, fabulous dining discounts of up to 15% are available at partner hotels through the FedDelights program. These benefits make the card well-suited for family lifestyle and entertainment needs.
BENEFITSHow does the complimentary domestic lounge access work on the Visa Imperio Credit Card?
Cardholders can enjoy 2 complimentary domestic airport lounge accesses per quarter by spending ₹40,000 or more in the previous quarter. This means the lounge access is unlocked in the next quarter based on the qualifying spend made in the current quarter. The benefit is subject to terms and conditions, and cardholders should review the Airport Lounge Offer Terms & Conditions available on the Federal Bank website.
BENEFITSIs there a fuel surcharge waiver on the Visa Imperio Credit Card?
Yes, the Visa Imperio Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This benefit applies to fuel transactions made using the card at petrol pumps nationwide. The waiver helps reduce the cost of fuel purchases, making it a practical everyday benefit for cardholders who frequently spend on fuel. Terms and conditions apply.
FEESWhat is the Annual Percentage Rate (APR) for the Visa Imperio Credit Card?
The Visa Imperio Credit Card offers a dynamic Annual Percentage Rate (APR) ranging from 0.69% per month (8.28% per annum) to 3.75% per month (45% per annum), depending on your banking relationship with Federal Bank. A stronger banking relationship may help you qualify for a lower interest rate. For detailed information, refer to the Most Important Terms & Conditions (MITC) available on the Federal Bank website.
FEESCan I get an Add-on card for my Visa Imperio Credit Card?
Yes, you can apply for up to 4 Add-on Credit Cards for your family members under the Visa Imperio Credit Card. The Add-on card shares the credit limit of the primary cardholder. A charge of ₹100 + GST applies per Add-on card. You can apply via the FedMobile app under Credit Cards > More > Request Add-on Card. The primary cardholder is responsible for all spends made by Add-on cardholders.
BENEFITSWhat is the welcome benefit offered on the Visa Imperio Credit Card?
As a welcome benefit, new Visa Imperio Credit Card holders can receive an Amazon Pay e-Voucher worth ₹400 on making a minimum spend of ₹5,000 within the first 30 days of card issuance. This onboarding offer is designed to reward new cardholders quickly and encourage early usage of the card for everyday expenses. Terms and conditions apply.
CANCELLATIONHow can I cancel my Visa Imperio Credit Card?
You can cancel your Visa Imperio Credit Card at any time by contacting Federal Bank's customer care or visiting your nearest Federal Bank branch. Before cancelling, ensure all outstanding dues are cleared, any accumulated reward points are redeemed, and no auto-debit or standing instructions are linked to the card. Once all dues are settled and instructions removed, the cancellation request will be processed.
USAGEWhat is the cash withdrawal limit on the Visa Imperio Credit Card?
The Visa Imperio Credit Card allows a cash advance limit of up to 20% of the total credit limit. Cash withdrawals from the credit card at ATMs are subject to applicable interest charges and cash withdrawal fees from the date of transaction. It is advisable to use cash advances only in emergencies, as interest is charged immediately without an interest-free period on cash transactions.
BENEFITSWhat dining benefits are available with the Visa Imperio Credit Card?
Visa Imperio Credit Card holders can enjoy up to 15% discounts at partner hotels and restaurants through Federal Bank's FedDelights dining program. Additionally, the card provides access to a wide variety of Visa offers and deals spanning food, dining, travel, shopping, entertainment, and lifestyle. These dining benefits make the card especially valuable for families who frequently dine out or order from partner establishments.

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