Everyday Family & Groceries Credit Card with Complimentary Domestic Lounges
Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1x rewards for other categories
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 Visa Imperio Credit Card is engineered specifically for everyday household spenders and mid-income salaried professionals. Positioned just below the Celesta tier, Imperio offers an exceptional value proposition by being issued Lifetime Free without annual maintenance overhead. The card excels on essential retail categories, offering 3X reward points on grocery purchases, supermarkets, and healthcare expenses. For travelers, it includes 2 complimentary domestic airport lounge visits per calendar quarter upon achieving modest quarterly spend criteria, providing premium comfort without demanding hefty annual subscription charges. With broad merchant acceptance via the Visa payment network, 1% fuel surcharge waiver, and simple digital card management through the FedMobile application, the Visa Imperio represents an optimal everyday payment instrument for growing Indian households.
Federal Rewards
- Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
- 1% fuel surcharge waiver
Value Vouchers
Amazon Pay e-Voucher
Complimentary Big Basket vouchers
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Complimentary lounge access –
Spend INR 40,000 or more in a quarter to enjoy 2 Domestic Lounge access in the next quarter.*
Airport Lounge Offer Terms & Conditions
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories. 1% fuel surcharge waiver at all fuel stations across India. And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories. 1% fuel surcharge waiver at all fuel stations across India. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
on INOX movie tickets, once a quarter and
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
Complimentary Big Basket vouchers
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories. Complimentary Big Basket vouchers on quarterly spends of ₹50,000.. Fabulous dining offers at partner hotels through FedDelights program giving upto 15% discounts. And many more....
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
UPI
Federal Rewards
Value Vouchers
Annual Percentage Rate (APR) starting from
3-2-1 rewards
structure curated for you & your family - Get 3x rewards on spends for Health Care, Grocery categories, 2x rewards on spends for Utility categories (like Bill payments for Electricity, Gas, mobile etc) and 1x rewards for other categories.
Amazon Pay e-Voucher
BOGO Offers* (Buy One Get One)
on INOX movie tickets, once a quarter and
Complimentary Big Basket vouchers
, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.
1% fuel surcharge waiver
at all fuel stations across India.
Complimentary lounge access –
Spend INR 40,000 or more in a quarter to enjoy 2 Domestic Lounge access in the next quarter.*
Lifetime Free Credit Cards
No membership fee & no joining fee
Airport Lounge Offer Terms & Conditions
Annual Percentage Rate (Dynamic) linked with AMB in operative account
Lowest dynamic Annual Percentage Rate (APR) starting from 1.99% (23.88% pa) to 3.75% (45% pa)* depending on your Banking relationship with us. Enjoy our bespoke 3-2-1 rewards structure personalised for you - Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹500 on minimum spend of Rs.3,000 in first 30 days. Ongoing attractive cashback offers, across various brands through Visa Deals & Offers And many more....
A credit card offers you the flexibility to make purchases or pay bills now and repay later. What makes it special is the convenience, wide acceptance, reward programs, interest-free period, and the ability to build your credit history when used responsibly. It is a powerful financial tool for both everyday spending and emergency needs.
Reward points on every transaction
Cashback, offers, and discounts from partner merchants
Reward points are redeemed (if applicable)
• Your card is a Lifetime Free Credit Card with Zero Annual Membership Fee and Zero Joining Fee.
• Lowest Dynamic Annual Percentage Rate (APR) starting from 5.88% p.a.
• Accelerated Rewards point structure of 3x-2x-1x based on spends. Refer
https://www.federalrewards.in/
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
• Fuel surcharge waiver Benefits @1%*
To Activate your Physical Credit Card for POS/ATM/Contactless you need to first Set the PIN.
You can conveniently enable/disable Online, Contactless and/or international transactions on your Credit Card through your FedNet/FedMobile app.
I attempted a Contactless transaction, but the same got declined.
This transaction might have declined as contactless transaction might have been disabled in your Card controls. Activate the same via below steps and try the transaction again.
Login to FedNet/FedMobile App → Credit Card → Manage Card → Manage Credit Card → Enable Domestic/International Contactless
Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer). To know more refer
Are there any charges for redemption of reward points?
Offers & Rewards
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
• Eligibility: Salaried professionals with monthly income over ₹30,000 or self-employed individuals with proven credit history. • Joining & Annual Fee: ₹0 (Lifetime Free across promotional customer acquisition campaigns). • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter on achieving ₹10,000 spend in preceding quarter. • Rewards Acceleration: 3X reward points on grocery stores, supermarkets, and medical expenses; 2X points on dining and apparel. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver ₹150 per cycle). • Forex Markup: Standard foreign currency transaction markup of 3.50% + GST. • Personal Accident Cover: Complimentary accidental insurance cover up to ₹50 Lakhs.
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 Visa 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.
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