LIFETIME FREE Visa, Mastercard 📡 Contactless NFC

Federal Bank Imperio Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 2.99%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Families and online shoppers looking for a Lifetime Free credit card offering 3X points on groceries and health, low dynamic APR, domestic lounge access, and quarterly BigBasket vouchers.

Who Should Avoid

Users seeking international lounge access or RuPay UPI support.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Amazon Pay gift voucher worth ₹400 on completing spends of ₹5,000 within first 30 days of card setup

3X Rewards on Groceries & Health

Earn 3X Reward Points on Grocery and Healthcare purchases + ₹300 BigBasket voucher on quarterly spends of ₹50,000.

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (on min ₹20,000 spend in preceding month).

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero joining and annual fees.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

1 Reward Point per ₹100 spent on other retail categories (0.25% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

3X Reward Points (3 points per ₹100, 0.75% return) on Grocery and Healthcare spends; 2X Reward Points on Electricity, Gas, and Mobile bill payments; 6 Reward Points per ₹100 on dining and international spends; ₹300 BigBasket voucher on ₹50k quarterly spend

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Federal Rewards Portal (Flights, Hotels, Brand Vouchers at 1 RP = ₹0.25), Direct Statement Cash Adjustment (1 RP = ₹0.20)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual renewal fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹30,000

Min. Credit Score700 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.49% to 3.49% per month (5.88% to 41.88% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

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Lifetime Free Card • Zero Annual Maintenance Charges

Personalized Card Matcher

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Frequently Asked Questions

Yes, the Federal Bank Imperio Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.