Federal Bank Visa Imperio Credit Card

Federal Bank Visa Imperio Credit Card

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With the Federal Bank Visa Imperio Credit Card, order your favourite meals on Swiggy and avail amazing offers. The card comes with numerous benefits, including an Amazon Pay e-Voucher worth Rs. 400, Buy One Get One on INOX movie tickets, complimentary Big Basket vouchers, quarterly 2 domestic lounge visits, and so on. As a limited-period offer, this card is offered for free for a lifetime, with zero joining or membership fees involved.

  • Key Highlights
  • Features & Benefits
  • Fees & Charges
  • Eligibility Criteria
  • How to Apply

Key Highlights of Federal Bank Visa Imperio Credit Card

Below are the key details of the Federal Bank Visa Imperio Credit Card:

Best forDining & shopping
Joining feeNil
Annual feeNil
Welcome giftAmazon Pay e-Voucher worth Rs. 400 on a minimum spend of Rs. 5,000 in the first 30 days
Complimentary airport lounge access2 domestic lounge visits on spending Rs. 40,000 or more in a quarter
Rewards3x rewards on spends fo rhealthcare & grocery, 2x rewards on utility, and 1x rewards for other categories
AgeAt least 18 years

Features & Benefits of Federal Bank Visa Imperio Credit Card

Welcome Gift

  • Amazon Pay e-Voucher worth Rs. 400. 
  • Valid on a minimum spend of Rs. 5,000 in the first 30 days of card issuance.

3-2-1 Rewards Structure

  • Get 3x rewards on spends for healthcare and grocery categories.
  • Get 2x rewards on utility categories (such as bill payments for electricity/ gas/ mobile/ etc.). 
  • Get 1x rewards for other categories.

Complimentary Lounge Access 

  • Spend Rs. 40,000 or more in a quarter to get 2 domestic airport lounge visits in the next quarter.

Movie Offer

  • Buy One Get One (BOGO) on INOX movie tickets. 
  • Offer valid once a quarter.

Big Basket Vouchers

  • Complimentary Big Basket vouchers on quarterly spends of Rs. 50,000.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India.
  • Applicable on spends between Rs. 400 to Rs. 5,000.
  • Maximum waiver of up to Rs. 150 per month.

Other Benefits

  • Up to 4 add-on cards available.
  • Get access to a wide variety of Visa offers and deals on travel, entertainment, food, dining, shopping, sports, lifestyle, etc.
  • Balance transfer option available for Federal Bank Credit Card customers.

Lifetime Free Credit Card

  • No membership fee and no joining fee.
  • It is a limited-period offer w.e.f 3rd April 2023.

Federal Bank Visa Imperio Credit Card Fees & Charges

  • Joining fee: Nil.
  • Annual fee: Nil.
  • Annual Percentage Rate (APR): 0.69% - 3.75% p.m. (8.28% - 45% p.a.).
  • Add-on card fee: Rs. 100 per card (maximum 4 cards).
  • Foreign currency transactions: 3.5%.
  • Reissue of lost/ stolen/ damaged card fee: Rs. 200 + applicable taxes for card reissue/ replacement.
  • Cash advance charges: 2.5% of the withdrawn amount or Rs. 500, whichever is higher.
  • Cash payment charges: Rs. 100.
  • Late payment charges: Up to Rs. 1,250.
  • Dynamic conversion fee: 3.5%.
  • Over-limit charges: 2.5% of the over-limit amount, minimum Rs. 500.
  • Cheque return/ dishonour/ auto-debit reversal charge: 2% of the payment amount (minimum Rs. 450).
  • Reward redemption charges: Minimum Rs. 99 per redemption request.
  • Rent payment charges: 1% of the transaction amount on rental transactions + applicable taxes.
  • Credit card loan processing pre-closure charges: Up to 3% + GST.
  • Outstation cheque processing fee: Rs. 25 for cheque up to Rs. 5,000 & Rs. 50 for cheque above Rs. 5,000.
  • Wallet loading charges: 1% of the transaction amount + applicable taxes.
  • TDS on withdrawals above Rs. 1 Crore: 2% to 5%.

Federal Bank Visa Imperio Credit Card Eligibility Criteria

The eligibility criteria for the Federal Bank Visa Imperio Credit Card are as follows:

  • Age: When applying for the card, the applicant must be aged at least 18 years for a Secured Federal Credit Card and 21 years for an Unsecured Federal Credit Card. 
  • Nationality: When applying for the card in India, the applicant must be an Indian resident or a Non-resident Indian (NRI).
  • Credit history: A good credit history helps applicants get a credit card easily.

Some of the documents required to apply for a Federal Bank Visa Imperio Credit Card online are as follows:

  • PAN Card
  • Aadhar Card
  • Bank statement (PDF format) of the last 3 months for salary crediting bank account (for salaried)
  • Income Tax Login Credentials (for non-salaried/ self-employed clients)

How to Apply for Federal Bank Visa Imperio Credit Card

To apply for a Federal Bank Visa Imperio Credit Card online, follow these steps:

  • Visit Federal Bank’s credit card onboarding platform and click on "Apply Now".
  • Fill in the required details. 
  • Submit your credit card application.
  • You will receive updates through emails and messages. 
  • Alternatively, you can apply offline from any Federal Bank branch.

FAQs

No, as a limited-period offer, the Federal Bank RuPay Signet Credit Card is offered for free for a lifetime, with zero joining or membership fee involved.

The minimum monthly income required for the Federal Bank Visa Imperio Credit Card is Rs. 30,000.

Yes, on spending Rs. 40,000 or more in a quarter with the Federal Bank Visa Imperio Credit Card, you get 2 domestic airport lounge visits in the next quarter.

As a limited-period offer, the Federal Bank RuPay Signet Credit Card is offered for free for a lifetime, with zero joining or membership fee involved.

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