Federal Bank Visa Imperio Credit Card

Federal Bank Visa Imperio Credit Card offers multiple benefits, such as rewards, free vouchers, fuel surcharge waiver, annual fee waiver and more to its users. However, this credit card is well-known for its entertainment and lifestyle benefits. Below mentioned are the key features and benefits of this credit card:

Up to 3X Rewards

This credit card comes with a 3-2-1 rewards structure, where you can earn up to 3X rewards on selected categories. Here are the details regarding the same:

• 3X rewards on spends on health care and grocery categories
• 2X rewards on utility spends
• 1X rewards on all other categories

Vouchers for Top Brands

Along with the rewards, this credit card gives you vouchers for brands like Amazon Pay and Big Basket, that let you save on your purchases. The details regarding the vouchers are as follows:

• Amazon Pay e-voucher worth Rs. 1,000 on a minimum spend of Rs. 5,000 in the first 30 days
• Complimentary Big Basket vouchers on quarterly spends of Rs. 50,000

Other Benefits

Apart from the above-mentioned benefits, you can also earn travel, entertainment and fuel benefits via Federal Bank Visa Imperio Credit Card. Below mentioned are the details regarding the same:

• BOGO Offer: Buy one get Rs. 100 off on second movie ticket on INOX movies, once a quarter (max. discount Rs. 100)
• Complimentary Lounge Access: Complimentary domestic airport lounge access twice a quarter
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India
• Annual Fee Waiver: Annual fee waiver on spending Rs. 1.5 lakh in a year
• Dining Discount: 15% discount on dining under FedDelights program

Suggested read: Top Credit Cards in India

The fees and charges associated with this credit card are mentioned in the table below:

Type of Fee or Charge	Amount
Annual/ Renewal Fee	Rs. 1,500 (waived off on spending Rs. 1.5 lakh in a year)
Finance Charges	Starting from 0.49% p.m. (5.88% p.a.)
Late Payment Charges	For Statement Balance: Less than Rs. 100: Nil Between Rs. 100 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 5,000: Rs. 500 Between Rs. 5,001 to Rs. 10,000 : Rs. 600 Between Rs. 10,001 to Rs. 25,000: Rs. 750 Between Rs. 25,001 to Rs. 50,000: Rs. 950 Above Rs. 50,000: Rs. 1,000

The applicant must fulfill the below-mentioned eligibility criteria to apply for Federal Bank Visa Imperio Credit Card:

Particular	Details
Age	18-70 years
Occupation	Salaried or Self-employed
Documents Required	Click here to see the list of required documents

Must read: Top Low Annual Fee Credit Cards in India

Federal Bank Visa Imperio Credit Card is amongst one of the newly launched Federal Bank credit cards. This credit card provides benefits on multiple categories, including travel, lifestyle and entertainment. Additionally, you can earn reward points for every transaction. However, in the case of reward points, you can only earn maximum reward points on selected categories, which might be a restriction for a lot of people. Hence, you cannot avail most of the reward points benefits via this credit card.

This is an ideal option for people who are looking for a credit card with lifestyle and entertainment benefits. You can earn complimentary lounge visits and a discount on movie tickets via this credit card. Overall, with a nominal annual fee, you can avail various advantages over almost all the categories through this credit card. You should go for this credit card if you are looking for a card with decent benefits and don’t want to pay a high annual fee. However, this might not be a suitable option for people who are looking for a credit card that offers decent reward points on multiple categories.

If you are looking for other credit cards that offer similar benefits to this one, then you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
Federal Bank Visa Imperio Credit Card	Rs. 1,500	3X rewards on spends on select categories
HDFC Millennia Credit Card	Rs. 1,000	5% cashback on Amazon and Flipkart
SBI SimplyClick Credit Card	Rs. 499	10X reward points on your spends at partner brands like Amazon, BookMyShow, Cleartrip, Urban Clap etc.
HSBC Cashback Credit Card	Rs. 750	1.5% cashback on all online spends
Kotak Royale Signature Credit Card	Rs. 999	4X reward points per Rs. 150 spent on special categories

Q. How many times can I avail the BOGO offer on movie tickets?

A. You can avail buy one get one free movie ticket offer once a quarter. This offer is only applicable on INOX movie ticket bookings and the maximum discount is capped at Rs. 100. If the ticket amount exceeds Rs. 100, then the cardholder has to pay the rest of the amount.

Q. How can I apply for Federal Bank Visa Imperio Credit Card?

A. You can apply for this credit card via both online as well as offline modes. You can visit the official website of the Federal Bank to apply online. Whereas, if you want to apply offline, you can visit the nearest branch of the bank to fill out the application form.

Q. What is the cash advance fee charged on Federal Bank Visa Imperio Credit Card?

A. Federal Bank charges a cash advance fee of 2.5% of the transaction amount for this credit card. Therefore, it is advisable not to withdraw cash using your credit card as it comes with charges and can also impact your credit score.

Q. Can I avail a fuel surcharge waiver on every fuel transaction?

A. No, you can avail a 1% fuel surcharge waiver on your transactions between Rs. 400 to Rs. 5,000 across all petrol pumps in India. However, you can avail the maximum discount of Rs. 150 per month. Also, the rate of surcharge may vary depending on the fuel station.

Q. Does reward points come with an expiry date?

A. Yes, the reward points offered on the Federal Bank Visa Imperio Credit Card expire after 1 year from the accrual date. Therefore, it is important to redeem all your earned reward points to avail the maximum benefits.

Q. What should I do if I lost my credit card?

A. In such a case, you should contact the customer care of Federal Bank and inform them about your loss, so that they can immediately block your credit card. You can contact customer care on 18004251199/ 18004201199.

Q. What is the forex mark-up fee charged on this credit card?

A. Federal Bank Visa Imperio Credit Card charges a forex mark-up fee of 3.5% of the transaction amount.