# Federal Bank Imperio

Federal Bank · Visa. lifetime free · 3.5% forex · 1 RP / ₹150, rounded down per txn (0.25% value on catalogue, 0.10% as cash).

verified · checked 3 July 2026 · Source: https://www.federal.bank.in/imperio-credit-card

## How it earns (4)

- 1 RP / ₹150, rounded down per txn (0.25% value on catalogue, 0.10% as cash) · ✓ official · checked 3 July 2026
- 3X RP/₹150 on grocery + healthcare (0.5% at ₹0.25/RP) · no cap published · community-verified · checked 3 July 2026
- 2X RP/₹150 on utilities: electricity, gas, mobile · community-verified · checked 3 July 2026
- Insurance earns base 1/₹150 but capped at 250 pts/month · cap 250 points per month · verified · checked 3 July 2026

## On gift vouchers

- ₹17 back on a ₹10,000 voucher bought direct. · 1 RP / ₹150, rounded down per txn (0.25% value on catalogue, 0.10% as cash)
- Vouchers for Bharat Petroleum (BPCL), Google Pay (GPay), NoBroker Pay (rent), FASTag / NHAI and 6 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet and prepaid loads (+1% fee) · brand vouchers earn base (the issuer does not address them)
- No RP: fuel, rent (+1% fee), govt, tolls, railways, quasi-cash, financial institutions · EMI-converted txns excluded

## Milestones (1)

- BigBasket voucher (~₹300) @ ₹50K quarterly spend · ₹300 at ₹50,000 spend per quarter · community-verified · checked 3 July 2026

## Lounges (1)

- 2 domestic visits in the next quarter after ₹40,000 or more spent in a quarter. · Domestic · domestic · 2 per quarter · checked 20 October 2026

## Transfer partners (2)

- Maharaja Points · 7 : 1 · ~7 working days · ✓ official · checked 7 July 2026
- KrisFlyer Miles · 9 : 1 · ~7 working days · ✓ official · checked 7 July 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: 3.5%
- DCC markup: 3.5%
- Earns: Federal Bank Reward Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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