Federal BankVisaEntry-level

Imperio credit card

3X points on department stores, dining and travel with 2 railway lounge visits.

Personal score31/100● Weak fit

Recurring net savings₹2,668/yrafter fee, GST and caps · bills paid in full

First-year value₹1,489no welcome offer, ₹1,179 joining fee

Effective savings rate0.8%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)Waived ~~₹1,179~~waiver at ₹1,00,000 spend

Lounge access✈ noneyou can use 0 of your visits

Personalise Official page ↗

Source: Federal Bank – Imperio product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail

₹1,642/yr3X on dining, groceries, travel

Waived₹1,179 fee

0/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹2,668/yr · 0.8%

3X on dining, groceries, travelon ₹1,09,440₹1,642

Base rate 0.5% on other spendson ₹1,33,200₹666

Excluded categories (no rewards)on ₹84,000₹0

Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 31 is built

weights total 100% · methodology

Net savings rate14/100 × 55%7.5

Usable lounge access0/100 × 15%0.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.5%value on eligible spend

⚡ Accelerated1.5% 3X on dining, groceries,…

🚫 No rewards onfuelrentutilitiesinsuranceeducation

🏷️ Fees₹1,179/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹999

🎁 Welcome (year 1)none

🏁 Milestonesnone

✈️ Lounge✈0 dom🌏0 intlNone

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.25/Reward Points ★★★☆☆1 point = ₹0.25 on the catalogue.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylefuel waiver

🪪 EligibilityIncome ₹3L+/yr

At a glance

Simple entry card

No airport lounge

Community Q&A on the Imperio

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Federal Bank Imperio?

Joining fee ₹999 and renewal fee ₹999, plus 18% GST (₹1,179 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the Imperio give airport lounge access?

No lounge access. None.

How much can I save with the Imperio?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,668 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Imperio's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Federal Bank – Imperio product page

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.