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Visa Imperio

Federal Bank
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Dining International Lifetime Free Travel

Annual Fee

FREE

Rewards/₹100 ⓘ

₹0.17 - ₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

8.28%

Credit Score

750+

At a Glance

Key Benefits

3x rewards on travel & international, 2x on dining, 1% fuel waiver, BOGO movies

Lounge Access

2 domestic lounge visits per quarter (on spending Rs.40K/quarter)

Eligibility

Age: 21-65 years, Monthly income: Rs.30,000+, CIBIL: 750+

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
8.28% p.a. #2
Forex Markup
3.50% #75
Rewards/₹100
₹0.17 - ₹0.50 #238
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
Min Credit Score
750+ #186
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 200
Late Payment Fee ₹500
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹200

Reward Structure

Base

All Spends

₹0.17 /₹100
Cat

Travel

₹0.50 /₹100
Cat

International

₹0.50 /₹100
Cat

Dining

₹0.33 /₹100

Reward Calculator

₹
Allocate by Category 100%
Travel
2.0 pts
40% ₹0
International
2.0 pts
25% ₹0
Dining
1.3 pts
20% ₹0
Other Spends
0.7 pts
15% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Amazon Pay e-Voucher worth Rs.400

Spend ₹5,000 within 30 days

₹400

value

Milestone

BigBasket gift voucher worth Rs.300

Spend ₹50,000 within 90 days

₹300

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Spend Rs.40,000 in previous quarter

Insurance Coverage

Air Accident

₹1,00,00,000

Complimentary air accident cover

Lost Card

₹50,000

Lost card liability cover

Lifestyle Perks

Movies

1 /quarter

BOGO on INOX movie tickets (up to Rs.100 off)

Dining

15.00% off

15% discount on dining via FedDelights program

Quick Analysis

Federal Bank Visa Imperio is an excellent lifetime free card for travelers and diners. The 3x rewards on travel/international and 2x on dining make it ideal for lifestyle-focused users without annual fees.

Pros

  • Lifetime free card - zero joining and annual fees
  • 3x rewards on travel and international spending
  • 2x rewards on dining transactions
  • 2 domestic lounge visits per quarter
  • Rs.400 Amazon voucher on Rs.5K spend in 30 days
  • Rs.300 BigBasket voucher on Rs.50K quarterly spend
  • 1% fuel surcharge waiver (up to Rs.100/month)
  • BOGO movie tickets on INOX (once per quarter)
  • Very low APR starting from 0.69% per month
  • 15% dining discount via FedDelights program

Cons

  • Very low base reward rate (0.17% on general spends)
  • Annual fee waiver requires Rs.1.5L spend/year
  • Reward redemption fee of Rs.99 per request
  • Higher forex markup at 3.5%
  • Limited lounge access vs premium cards
  • Reward points valid for only 1 year
  • Quarterly spend threshold for lounge access
  • No international lounge access
  • Lower point value vs competitors

Best For

Travel, dining, international transactions

Not Ideal For

Grocery shopping, utility bill payments

Frequently Asked Questions

Is Federal Bank Visa Imperio really lifetime free?
Yes, there are no joining or annual fees for cards issued after April 3, 2023. Cards issued before this date continue with the original fee structure.
What is the reward points structure?
3 reward points per Rs.150 on travel & international spends, 2 points per Rs.150 on dining, and 1 point per Rs.150 on all other spends. 1 reward point = Rs.0.25.
How do I get lounge access?
Spend Rs.40,000 or more in a quarter to get 2 complimentary domestic lounge visits in the next quarter.
What are the welcome benefits?
Get an Amazon Pay e-Voucher worth Rs.400 on spending Rs.5,000 within the first 30 days of card activation.
How long are reward points valid?
Reward points are valid for 3 years from the date of accrual.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs.400 to Rs.4,000, with a maximum waiver of Rs.100 per month.
What is the forex markup fee?
The forex markup fee is 3.5% of the transaction amount for international transactions.
Can I convert purchases to EMI?
Yes, the Visa Imperio comes with EMI conversion facility. You can apply for EMI conversion through customer service or net banking/mobile banking.
What is the difference between Mastercard and Visa Imperio?
Mastercard Imperio offers 3x rewards on healthcare & grocery, while Visa Imperio offers 3x on travel & international spends. Choose based on your spending patterns.

User Reviews

Our Rating

3.8
APPLY NOW

on Federal Bank's website

Rating Breakdown

Rewards
3.2/5 Top 64%
Benefits
3.7/5 Top 55%
Fees
5.0/5 Top 8%
Value for Money
3.9/5 Top 19%
User Reviews
3.0/5 Top 50%

Important Links

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