Curated Grocery Multipliers, Dining Concessions & Travel Perks
Family grocery shopping at BigBasket, dining out, and domestic travel
Free
One-time upfrontFree
Lifetime Free — no renewal feeFederal Rewards
On eligible spends2 Domestic visits/quarter · ₹40k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Federal Bank Mastercard Imperio Credit Card is a mid-tier lifestyle credit card designed for families and mid-career professionals looking for balanced savings across supermarket groceries, dining, and weekend cinema. Operating with a transparent 3-2-1 reward structure, it delivers 3X rewards on grocery and supermarket spends, 2X rewards on dining and food delivery platforms, and 1X reward on all other retail categories. Cardholders also receive 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) upon meeting a nominal quarterly spend criterion of ₹20,000, alongside BookMyShow 'Buy One Get One' movie ticket discounts. Typically offered Lifetime Free (LTF) under ongoing Federal Bank customer acquisition campaigns, it carries zero annual burden. Weaknesses include standard 3.50% forex charges and merchant category spend caps on monthly grocery multipliers. For households spending regularly on family sustenance and weekend dining, the Imperio card offers compelling everyday value.
Federal Rewards
- No merchant refund/cashback/credit due to transactions converted to EMI / cancelled transactions / reversals / promotional cashback will be considered as a payment towards the outstanding of the card.
- Fuel surcharge and applicable taxes (including GST) if any, are levied by the fuel merchant/acquiring bank.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Grocery & Healthcare Spends | 3X Reward Points on grocery and healthcare (3 RP per ₹100 spent; 0.75% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utility Bill Payments | 2X Reward Points on utility bills (2 RP per ₹100 spent; 0.50% value) | No Cap | Standard terms apply |
| Other Spends | 1 Reward Point per ₹100 spent on other retail purchases (0.25% value) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Grocery & Healthcare Spends | ₹6,000 | 3X Reward Points on grocery and healthcare (3 RP per ₹100 spent; 0.75% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utility Bill Payments | ₹6,000 | 2X Reward Points on utility bills (2 RP per ₹100 spent; 0.50% value) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 1 Reward Point per ₹100 spent on other retail purchases (0.25% value) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Federal Bank Mastercard Imperio Credit Card: • Joining & Annual Fee: Offered Lifetime Free (LTF) with ₹0 joining fee and ₹0 annual fee for pre-approved customers; standard tariff ₹500 waived on ₹1,00,000 spend. • 3-2-1 Reward Structure: 3X rewards on Groceries & Supermarkets, 2X rewards on Dining & Food Delivery, and 1X reward per ₹100 on standard retail. • Domestic Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 annually), subject to spending ₹20,000 in the previous quarter. • Entertainment Privileges: Buy One Get One (BOGO) ticket discount on BookMyShow up to ₹100 once per month. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 across domestic petrol bunks. • Finance Charges: 3.00% per month (36.0% annualized) on unpaid revolving card balances.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Federal Bank Mastercard Imperio Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Federal Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
Best for: Food Delivery Fans, Grocery Shoppers & Young Urban Professionals
Rewards: 10X EDGE Points/₹125 Spent at Departmental and Apparel Stores. 2 EDGE Points/₹125 on All Eligible Spends.
Lounge access: 2 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Federal Bank Mastercard Signet Credit Card
Best for: Young professionals, electronics shopping, and weekend movie outings
Rewards: Federal Rewards
Lounge access: 1 Domestic visits/quarter · ₹20k quarterly spend required
Last verified 3 Oct 2026
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Indian Coast Guard Rakshamah BOBCARD Credit Card
Best for: Serving and retired Indian Coast Guard personnel seeking reliable public-sector credit benefits and airport lounge convenience without maintenance charges.
Rewards: 2 RP / ₹100 base; 10 RP / ₹100 on departmental stores & movies
Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
Best for: Online shoppers, weekend dining, entertainment spending, and regular card spenders
Rewards: 4 Reward Points per ₹200 on all eligible spends; 8 Reward Points per ₹200 on Grocery and Travel
Lounge access: 4 Domestic + 4 International visits/year
Renewal fee waived on ₹1,00,000 annual spend
Last verified 3 Oct 2026
