Federal Bank Imperio Credit Card Review
The Federal Bank Imperio is a lifetime-free everyday card with a simple 3-2-1 reward structure tilted toward healthcare, grocery and utilities, plus welcome vouchers and lounge access on spends. Here is the verified review.
- Lifetime-free — no joining or annual fee
- 3X on healthcare & grocery, 2X on utilities
- ₹400 Amazon Pay welcome voucher
- 2 domestic lounge visits on ₹40k quarterly spend
- INOX movie BOGO; fuel surcharge waiver
- Point value modest (1 RP = ₹0.25)
- Lounge is spend-gated (₹40k/quarter)
- 1X base on non-bonus categories
- Movie BOGO only once a quarter
- Reward caps may apply
Rewards & benefits
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Healthcare & grocery | 3X reward points |
| Utilities | 2X reward points |
| Other spends | 1X (1 RP = ₹0.25) |
| Welcome | ₹400 Amazon Pay voucher (₹5k/30 days) |
| Lounge | 2 domestic on ₹40k quarterly spend |
Eligibility & documents
Fee
Lifetime-free
Points validity
3 years
Network
Visa / Mastercard
Best for
Healthcare/grocery everyday spenders
Recommended CIBIL
~720+
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: households with regular healthcare and grocery spends who want a no-fee everyday card.
- Skip if: you want a high flat-rate or premium travel card.
How to apply & how to cancel
Apply: via federalbank.co.in. Cancel: call Federal Bank customer care after clearing dues; redeem points first.
Final verdict
The Federal Bank Imperio is a tidy lifetime-free everyday card — 3X on healthcare and grocery, useful welcome vouchers, spend-based lounge access and a movie BOGO at no annual cost. The base rate and modest point value mean it’s a complementary everyday card rather than a primary high-rewards engine.
Frequently asked questions
Is it free?
Yes — the Federal Bank Imperio is a lifetime-free card.
How does the 3-2-1 structure work?
3X reward points on healthcare and grocery, 2X on utilities, and 1X on all other spends (1 RP = ₹0.25).
What’s the welcome benefit?
A ₹400 Amazon Pay e-voucher on ₹5,000 spend within 30 days, plus BigBasket vouchers on ₹50,000 quarterly spend.
Does it offer lounge access?
Yes — 2 domestic lounge visits the next quarter on ₹40,000 of spend in a quarter.
Data current as of June 2026, cross-checked against Federal Bank and aggregators. Confirm current terms on federalbank.co.in before applying.