Card Image
Federal Bank Imperio
Annual Fee
₹500
Rewards/₹100 ⓘ
₹0.25
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
1 reward point per Rs 100, fuel surcharge waiver, EMI conversion
Lounge Access
No lounge access
Eligibility
Salaried: Rs 25,000+/month, Age: 21-60 years, CIBIL: 700+
Quick Details
Annual Fee
₹500
#113
Joining Fee
₹500
#112
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25
#276
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.25 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned500
Cash Value₹125
Breakdown
Other Spends500
Total Value₹125
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card.
Fraud
₹0
Zero liability for fraud.
Quick Analysis
The Federal Bank Federal Bank Imperio is a solid credit card option. With an annual fee of ₹500, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for Imperio card?
Rs 500 annual fee, waived on Rs 50,000 annual spend.
Is Imperio a good starter card?
Yes, it is an excellent entry-level card with low fees and basic rewards.
What rewards does Imperio offer?
1 reward point per Rs 100 spent on all categories.
Does Imperio have fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on fuel transactions.
What is the minimum income for Imperio?
Minimum Rs 25,000/month salaried income required.
User Reviews
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