Federal Bank VISA Imperio Credit Card

Lounge access

Complimentary domestic lounge access - Spend ₹40,000 or more in a quarter to enjoy 2 Domestic Lounge accesses in the next quarter.

Verified · Federal Bank VISA Imperio Credit Card product page · 2026-08-02 · source

Forex markup

Foreign currency (cross currency) mark-up: 3.5% for Imperio Card.

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Charge

• Cash Advance: 2.5% of amount withdrawn or ₹500 whichever is higher (Cash Advance Limit 10% of Credit Limit).
• Interest on Revolving Credit (APR): 41.88% (3.49%/mo) if AMB < ₹50,000.
• 30.00% (2.49%/mo) for ₹50,000-3,00,000.
• 18.00% (1.49%/mo) for ₹3,00,001-10,00,000.
• 5.88% (0.49%/mo) for > ₹10,00,000.
• 41.88% if no operative account with Federal Bank.
• Minimum Repayment: 5% or minimum ₹100.
• Additional/Add-on Card Fee: max 3 cards at ₹100 per card.
• Late Payment Charges by statement balance: <₹100 = ₹0.
• ₹100-500 = ₹100.
• ₹501-5,000 = ₹500.
• ₹5,001-10,000 = ₹600.
• ₹10,001-25,000 = ₹750.
• ₹25,001-50,000 = ₹950.
• >₹50,000 = ₹1000.
• Over-limit charge: 2.5% of over-limit amount, min ₹500.
• Cheque return/Dishonour/Auto-debit reversal: 2% of payment amount, min ₹450.
• Fee for Cash Payment (at branch): ₹100.
• Rewards Redemption Fee: ₹99 per request.
• EMI/Loan Processing charge: 2.5% of loan amount, min ₹500.
• Loan Pre-Closure: 3% of balance outstanding.
• Reissue of Lost/Stolen/Damaged Card: ₹200.
• Outstation Cheque Processing: ₹25 (up to ₹5,000) / ₹50 (above ₹5,000).
• Forex mark-up: 3.5%.
• GST applicable on all fees, interest and charges (plus 1% Kerala Flood Cess for non-GSTIN customers billed in Kerala).
• In case of default, interest may increase up to 3.49% per month (41.88% p.a.).

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Interest-free period

Up to 50 days interest free period (subject to scheme and merchant claim submission; no interest free period if Total Amount Due not paid by due date).

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India (per MITC: on spends between ₹400 to ₹5000, up to ₹150 per month for Imperio).

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Milestone benefit

• BOGO (Buy One Get One) offer on INOX movie tickets, once a quarter.
• And Complimentary Big Basket vouchers on quarterly spends of ₹50,000.

Verified · Federal Bank VISA Imperio Credit Card product page · 2026-08-02 · source

Reward cap

• Reward Points valid.
• Earned but not redeemed points forfeited on death of card member.
• Points may be cancelled/suspended if account is in arrears, suspension, default or suspected fraud.

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Reward exclusion

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source

Eligibility

• Card usage valid in India and abroad, but not valid for foreign currency transactions in Nepal and Bhutan.
• Credit Card cannot be used for Overseas Forex Trading.

Verified · Most Important Terms and Conditions (MITC) – Federal Bank Credit Cards · 2026-08-02 · source