Federal Bank Imperio Visa Signature Card

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Features of the Federal Bank Imperio Visa Signature Credit Card

Reward Points Structure: The Federal Bank Imperio Visa Signature Credit Card offers a 3-2-1 rewards structure, which is curated to maximize value for specific spending categories. This tiered reward system is one of the card’s standout features, allowing cardholders to earn points based on their spending habits:
- 3X Reward Points: For every ₹150 spent on groceries and healthcare categories, cardholders earn 3 reward points. This is particularly beneficial for families who frequently spend on household essentials and medical expenses.
- 2X Reward Points: For every ₹150 spent on utility bill payments (e.g., electricity, gas, mobile bills), cardholders earn 2 reward points. This feature caters to routine expenses, making it easier to accumulate points on recurring payments.
- 1X Reward Point: For every ₹150 spent on all other eligible categories, cardholders earn 1 reward point. This ensures that even miscellaneous spending contributes to the rewards tally.
Reward Point Value and Redemption: Each reward point is valued at ₹0.25 (i.e., 4 reward points = ₹1), and points can be redeemed through the Federal Rewards program for a variety of options, including shopping, dining, travel, and bill payments. Unlike some cards, the reward points earned on the Imperio Credit Card expire after three years from the accrual date, giving cardholders ample time to redeem them strategically.

- Complimentary Airport Lounge Access: The card provides two complimentary domestic airport lounge visits per quarter, totaling up to eight visits annually. This benefit does not require a minimum spend, making it accessible to all cardholders. Lounges offer comfortable seating, refreshments, Wi-Fi, and a quiet environment, enhancing the travel experience for frequent flyers and occasional travelers alike.
- Fuel Surcharge Waiver: The card offers a 1% waiver on fuel surcharge for transactions between ₹400 and ₹5,000 at any fuel station across India, capped at ₹150 per month. This feature provides tangible savings for families with regular commuting needs by reducing overall fuel expenses.
- Contactless Payment Technology: Equipped with contactless payment capability, the card allows quick, secure tap-to-pay transactions. Payments up to ₹5,000 do not require a PIN, facilitating convenience and enhancing security by keeping the card in the holder’s possession.
- Buy One, Get One (BOGO) Movie Ticket Offer: Entertainment benefits include a quarterly BOGO free movie ticket at INOX theaters, capped at ₹100 discount for the free ticket. This offer suits families or individuals who enjoy occasional movie outings, providing savings on entertainment expenses.
- Annual Fee Waiver: The card’s ₹1,500 annual fee is waived if the cardholder spends ₹1.5 lakh or more in a year. This makes the card cost-effective for moderate to high spenders using it for regular household expenses.
- EMI Conversion Options: Large purchases can be converted into EMIs with tenures of 3 or 6 months, featuring zero processing fees and zero documentation. The interest rate is competitive at 0.83% per month (9.99% per annum), helping cardholders manage big-ticket expenses easily.
- Cash Advance Facility: Cardholders can withdraw cash up to 20% of their total credit limit at ATMs. This facility comes with a 2.5% fee (minimum ₹500) and applicable interest charges, providing a safety net for emergencies.
- Secured Credit Card Option: For applicants with limited credit history, the card can be secured against a Fixed Deposit (FD) with Federal Bank. Up to 80% of the FD amount (minimum ₹25,000, tenure 6+ months) can be availed as credit limit, making it accessible for credit building.
- Low Forex Markup Fee: International transactions incur a forex markup fee of 2%, lower than many competitors, making the card a cost-effective option for occasional overseas spending or online shopping from international merchants.
- Dynamic Annual Percentage Rate (APR): The card features a dynamic APR ranging from 0.69% per month (8.28% per annum) to 3.75% per month (45% per annum), depending on the cardholder’s banking relationship with Federal Bank. This flexible interest rate structure rewards customers with a strong banking relationship, potentially lowering the cost of carrying a balance.
- Comprehensive Security Features: The card includes robust security measures, such as a four-digit PIN for authentication and contactless payment encryption, to protect against fraud. In case of loss or theft, cardholders can immediately contact Federal Bank’s customer care at 8885545255 to block the card, ensuring minimal risk.
- Visa Deals and Offers: As a Visa Signature card, it provides access to a wide range of Visa offers and deals across categories like travel, dining, shopping, sports, entertainment, and lifestyle. These offers are regularly updated and can be accessed through the Visa website or Federal Bank’s rewards portal, adding value to the cardholder’s experience.
- Contactless Payments: The HSBC Visa Infinite Credit Card supports contactless payments, allowing quick and secure transactions at merchants equipped with contactless terminals. This feature is compatible with mobile payment platforms like Apple Pay and Google Pay, enabling cardholders to link their card for seamless payments via smartphones or smartwatches.
- Lifetime Free Option: As of April 2023, Federal Bank has made the Imperio Credit Card lifetime free with no joining or annual membership fees for a limited period. This eliminates the cost of ownership, making it an attractive option for budget-conscious families.
- Reward Redemption Flexibility: Reward points can be redeemed through the Federal Rewards portal for a variety of options, including e-vouchers, merchandise, travel bookings, and bill payments. A nominal redemption fee of ₹99 per request applies, but the flexibility to choose redemption categories enhances the card’s utility.
- Interest-Free Credit Period: The card offers an interest-free credit period of up to 48 days, allowing cardholders to make purchases and pay later without incurring interest, provided the outstanding balance is cleared by the due date. This feature is particularly useful for managing cash flow effectively.
- Card Replacement and Support: In case of card loss or damage, a replacement fee of ₹200 + taxes is charged. Federal Bank provides 24/7 customer support through its toll-free numbers, ensuring prompt assistance for any issues, including card replacement or transaction disputes.
- Digital Banking Integration: The card is integrated with Federal Bank’s FedMobile and FedNet platforms, allowing cardholders to check their available credit limit, total credit limit, cash advance limit, and transaction history. This digital integration enhances convenience for tech-savvy users.
- Tailored for Family Needs: The Imperio Credit Card is specifically designed for family-oriented individuals, with benefits focused on groceries, healthcare, utilities, and entertainment. This targeted approach ensures that the card aligns with the spending patterns of households, making it a practical choice for daily expenses.
- Additional Features: Other notable features include: No joining fee for new cardholders (limited period offer). Visa Safe Click feature for secure online transactions without OTP for amounts up to ₹2,000. 15% discount on dining at over 550 restaurants under the FedDelights program, enhancing the card’s lifestyle benefits.

Benefits of the Federal Bank Imperio Visa Signature Credit Card

Welcome Benefits:
- Amazon Pay E-voucher: New cardholders receive an Amazon Pay e-voucher worth ₹400 upon spending ₹5,000 within the first 30 days of card activation. This voucher can be used for purchases on Amazon, providing immediate value to new users.
- Low Spending Threshold: The relatively low spending requirement makes this benefit easily achievable for most cardholders.
Milestone Spending Rewards:
- Big Basket Vouchers: Complimentary Big Basket vouchers worth ₹300 are awarded when cardholders spend ₹50,000 or more in a quarter.
- Practical Threshold: The quarterly spending target is realistic for families managing routine expenses like groceries, utilities, and healthcare, making this benefit highly practical.

- Travel Benefits: Lounge access includes amenities like free food, beverages, Wi-Fi, and comfortable seating, making airport layovers more enjoyable. This benefit is particularly valuable for frequent travelers.
- Fuel Surcharge Savings: The 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 helps cardholders save on fuel expenses. For families with one or more vehicles, this benefit reduces the cost of daily commuting.
- Dining Discounts: Through the FedDelights program, cardholders receive a 15% discount on dining at over 550 partner restaurants across India.
- Reward Points Accumulation: The 3-2-1 rewards structure is a core benefit, enabling cardholders to earn points: 3X points on groceries and healthcare. 2X points on utility bill payments. 1X points on other categories
- Cost-Effective Ownership: Even without the lifetime free offer, the ₹1,500 annual fee is waived upon spending ₹1.5 lakh annually, a threshold that is achievable for moderate spenders, further reducing the cost of ownership.
- EMI Conversion for Large Purchases: The ability to convert large purchases into EMIs with zero processing fees and a low interest rate of 0.83% per month (9.99% per annum) is a significant financial benefit.
- Secured Credit Card Accessibility: The secured credit card option against a Fixed Deposit (minimum ₹25,000, up to 80% of FD as credit limit) makes the card accessible to individuals with limited or no credit history.
- Low Forex Markup Fee: The 2% forex markup fee for international transactions is lower than many competing cards, making it a cost-effective option for online shopping from international merchants or travel abroad.
- Flexible Interest Rates: The dynamic APR (ranging from 8.28% to 45% per annum) adjusts based on the cardholder’s relationship with Federal Bank. Customers with a strong banking relationship may qualify for lower rates.
- Enhanced Security: The Visa Safe Click feature allows online transactions up to ₹2,000 without an OTP, streamlining small purchases while maintaining security.
- Visa Network Benefits: As a Visa Signature card, it provides access to exclusive Visa offers and deals across categories like travel, dining, shopping, and entertainment.
- Interest-Free Credit Period: The 48-day interest-free credit period allows cardholders to make purchases and defer payments without incurring interest, provided the balance is paid by the due date.
- Digital Banking Convenience: Integration with FedMobile and FedNet platforms allows cardholders to manage their card seamlessly. They can check their credit limit, track transactions, redeem reward points.
- Emergency Support: The card offers 24/7 customer support through toll-free numbers 8885545255 for issues like card loss, transaction disputes, or general inquiries.
- Family-Oriented Design: The card’s benefits are tailored for family-oriented individuals, with rewards and offers focused on groceries, healthcare, utilities, and entertainment.
- Additional Perks: Other benefits include:
- No documentation for EMI conversions, simplifying the process. Replacement card issuance for a nominal fee of ₹200 + taxes, ensuring quick recovery from loss or damage.
- Visa concierge services for travel and lifestyle assistance, adding a premium touch to the cardholder experience.

How to Apply for the Federal Bank Imperio Visa Signature Credit Card

Choose Your Preferred Application Method:
- Apply online through the official Federal Bank website or FedMobile app.
- Visit the nearest Federal Bank branch for in-person application.
Online Application Process:
- Visit the Federal Bank website and navigate to the Credit Cards section.
- Select the Visa Imperio Credit Card and click on "Apply Now."
- Fill out the application form with personal, financial, and KYC details (PAN, Aadhaar, etc.).
- Upload digital copies of required documents: identity, address, and income proof (PDF/JPEG format).
- Review all details and click the Submit button to receive an application reference number.
- New customers may be required to complete Video KYC (vKYC) via a scheduled video call with valid ID proof.
Offline Application Process:
- Visit any Federal Bank branch with original documents for verification.
- Request and fill out the Imperio Credit Card application form.
- Submit physical copies of required documents (identity, address, income proof).
- Bank staff will assist with verification and may ask about your banking relationship or income background.
Track Your Application:
- Use the reference number to check status on the Federal Bank website.
- Alternatively, contact customer care for real-time updates.
- Status updates will be shared via SMS or email notifications.
Receive the Credit Card:
- If approved, the physical card will be delivered to your registered address.
- Virtual card may be available instantly on the FedMobile app.
Post-Approval Steps:
- Activate your card via FedMobile, FedNet, or customer care.
- Create your 4-digit PIN for secure usage.
- Use the FedMobile app or FedNet to monitor transactions and pay bills on time.
Tips for a Smooth Application:
- Ensure all details are accurate and documents are valid and legible.
- Maintain a strong credit score to improve approval chances.
- Check your eligibility before applying to avoid rejection.
- Use a stable internet connection and compatible browser when applying online.
Secured Credit Card Option:
- You can apply for a secured Imperio Credit Card by opening a Fixed Deposit (minimum ₹25,000 for 6 months).
- The credit limit will be up to 80% of the FD amount (maximum ₹10 lakh).
- Mention your FD details during the application process.
Common Challenges and Solutions:
- Application Rejection: Check credit score and submitted documents for accuracy.
- Document Issues: Use up-to-date and clearly scanned copies.
- Technical Errors: Use updated browsers and stable internet for online applications.

Eligibility Criteria for the Federal Bank Imperio Visa Signature Credit Card

Age Requirements:
- Unsecured Credit Card: Applicants must be at least 21 years old and not exceed 65 years (self-employed) or 60 years (salaried).
- Secured Credit Card: Applicants must be at least 18 years old and not exceed 80 years, allowing access to younger or credit-invisible individuals.
Nationality:
- Indian Residents and Non-Resident Indians (NRIs) are eligible.
- NRIs must submit valid passport, visa, and Indian address documentation.
Income Criteria:
- No fixed minimum income, but regular income is mandatory.
- Salaried applicants typically need ₹25,000–₹30,000 monthly income.
- Self-employed individuals must provide ITRs or financial statements to verify profitability.
Credit History:
- For unsecured cards, a credit score of 750+ is preferred.
- Timely repayment history on loans/credit cards improves chances.
- Secured cards are accessible to individuals with limited or poor credit history.
Banking Relationship with Federal Bank:
- Existing customers (savings accounts, loans, or FDs) may get faster approvals.
- Secured card applicants must have an FD with a minimum ₹25,000 for 6 months. Credit limit is up to 80% of FD value (maximum ₹10 lakh).
Employment Status:
- Salaried: Must provide employment proof like salary slips or offer letter.
- Self-Employed: Must submit business proof, ITRs, and bank statements.
Residential Status:
- Applicants must have a verifiable permanent address in India.
- NRIs must provide an Indian address for communication and delivery.
Secured Credit Card Specifics:
- Must hold a Federal Bank savings account to link the FD.
- FD must be at least ₹25,000 with a minimum 6-month tenure.
Credit Limit Assessment:
- Unsecured card limit is based on income, credit history, and existing liabilities.
- Secured card limit is linked to the FD value.
KYC Compliance:
- Applicants must submit valid ID and address proof (Aadhaar, PAN, etc.).
- Non-compliance with KYC will result in rejection.
Debt-to-Income Ratio:
- Lower DTI indicates stronger repayment capacity.
- Clear existing EMIs or debts to improve approval chances.
Application Accuracy:
- Ensure name, income, PAN, and other details are correct and consistent across documents.
Tips to Meet Eligibility:
- Pay off dues and maintain a credit score of 750+.
- Maintain consistent income and job stability.
- Start or grow a banking relationship with Federal Bank through FDs or savings accounts.

Documents Required for the Federal Bank Imperio Visa Signature Credit Card

Overview:
- Applicants must provide identity, income, and address proofs.
- Requirements vary for salaried, self-employed, and NRI applicants.
Identification Documents:
- Primary Applicants:
  - PAN Card: Mandatory for financial and tax transactions.
  - Aadhaar Card: Accepted for KYC purposes.
  - Voter ID, Passport, or Driving License: Must include photograph and valid details.
- Supplementary Cardholders:
  - Any government-issued photo ID (e.g., Aadhaar, Voter ID)
  - Minimum age: 18 years
  - Details must match those of the primary cardholder
Proof of Income:
- Salaried Individuals:
  - Last 3 months’ salary slips
  - Bank statements showing salary credits (last 3 months)
  - Employment letter confirming job status and salary
- Self-Employed Individuals:
  - Last 2 years' ITRs with computation of income
  - Audited Profit & Loss Statements or Balance Sheets
  - 6 months' business account bank statements
- Fixed Deposit Option (Secured Card):
  - FD Receipt with minimum ₹25,000 and 6-month tenure
  - Savings account statement linked to FD
  - FD Application Form if created during application
Proof of Residence:
- Aadhaar Card (if not used as ID proof)
- Passport or Voter ID with current address
- Utility Bills: Electricity, gas, or telephone (not older than 3 months)
- Rental Agreement with utility bill (for tenants)
- Recent Bank Statement showing residential address
Additional Documents:
- Recent passport-sized photograph
- Form 60 (only if PAN card is unavailable)
- NRI Applicants: Passport, Visa, and overseas address proof
Submission Guidelines:
- Digital:
  - PDF or JPEG format with clear scan (within file size limits)
  - Files must be legible and not password-protected
  - Upload via official Federal Bank website or app
- Offline:
  - Submit clear photocopies along with originals at the branch
  - Ensure documents are organized and up to date
Verification Process:
- Federal Bank verifies identity, income, and residence proof
- Mismatch or expired documents may lead to rejection
- Processing typically takes 7–14 business days
Regional Variations:
- India: PAN, Aadhaar, utility bills, ITRs, and bank statements
- NRIs: Passport, visa, and valid overseas address proof
Tips for Smooth Application:
- Use recent documents (within the last 3 months)
- Ensure document consistency (name, address, etc.)
- Label files clearly (e.g., ITR_FY2024.pdf)
- Maintain backup copies for your records

Factors Influencing the Federal Bank Imperio Visa Signature Credit Card Application

Credit Score:
- A score of 750+ is typically required for unsecured cards.
- Applicants with lower scores may consider a secured variant backed by a Fixed Deposit (FD).
Income Stability:
- Salaried individuals with consistent monthly income are preferred.
- Self-employed applicants should demonstrate steady profits through income tax returns.
Banking Relationship with Federal Bank:
- Existing customers (savings accounts, loans, or FDs) may enjoy quicker approvals and better terms.
- Secured card applicants must have an active FD with the bank.
Debt-to-Income Ratio (DTI):
- Lower DTI indicates better financial health and increases approval chances.
- Applicants should aim to reduce existing EMIs or credit card debts before applying.
Employment Status:
- Stable job history or a well-established business is favorable.
- Temporary or probationary jobs may result in stricter scrutiny.
Age Criteria:
- Unsecured cards: Age between 21 and 60/65 years.
- Secured cards: Broader range of 18 to 80 years.
Residential Status:
- Applicants must have a permanent Indian address.
- NRIs must submit valid overseas and Indian documentation.
Documentation Quality:
- All documents (ID, income proof, address proof) must be accurate and up to date.
- Errors or mismatches may lead to rejection or delays.
Credit Utilization History:
- A utilization rate under 30% is preferred.
- Higher usage across existing cards may signal financial stress.
Existing Credit Card Portfolio:
- Applicants with multiple cards or high balances are scrutinized more closely.
- Moderate usage and timely repayments are key to approval.
Secured vs. Unsecured Card:
- Secured card options reduce approval risk by requiring FD collateral.
- Unsecured cards demand stronger financial profiles.
Economic and Market Conditions:
- Macroeconomic trends and Federal Bank’s internal credit policies may affect approvals.
- During downturns, approval criteria may become more stringent.
Application Accuracy:
- Ensure there are no errors in the form—especially in name, income, and PAN details.
KYC Compliance:
- Applicants must fulfill all Know Your Customer (KYC) requirements.
- Incomplete or outdated KYC will result in application rejection.
Tips to Improve Eligibility:
- Pay existing dues and maintain a strong credit history.
- Submit consistent income proofs and accurate documentation.
- Open a savings or FD account with Federal Bank to strengthen your banking relationship.
- Opt for the secured card if unsure of eligibility.
Recent Credit Inquiries:
- Multiple hard inquiries within a short time can signal credit-seeking behavior and lower approval chances.
- Apply selectively and avoid simultaneous applications with multiple banks.

Frequently Asked Questions (FAQs) – Federal Bank Imperio Visa Signature Credit Card

1. What is the Federal Bank Imperio Visa Signature Credit Card?

The Federal Bank Imperio Visa Signature Credit Card is a premium offering designed for high-income individuals, offering superior lifestyle privileges, higher credit limits, international acceptance, and exclusive travel and reward benefits under the Visa Signature program.

2. Who is eligible to apply for the Imperio Credit Card?

Typically, salaried or self-employed individuals aged between 21 and 60 with a monthly income above ₹50,000 and a strong credit history are eligible. Final eligibility is subject to Federal Bank’s internal policies.

3. What are the key benefits of the Imperio Visa Signature Card?

Key benefits include complimentary domestic airport lounge access, higher reward earnings, concierge services, fuel surcharge waivers, and access to Visa Signature lifestyle privileges such as golf, dining, and travel offers.

4. Is there an annual or joining fee for this card?

Yes, there is generally a joining and annual renewal fee. However, fee waivers may be offered based on annual spending thresholds. Contact the bank for the most up-to-date fee details.

5. What is the rewards program like?

You earn reward points on every eligible transaction, with higher points for select categories like dining, travel, and online spending. Points can be redeemed via the Federal Rewards portal for vouchers, merchandise, or statement credit.

6. How many airport lounge visits are allowed per year?

The card offers complimentary access to select domestic airport lounges in India, usually capped per calendar quarter. Lounge access is facilitated through Visa’s lounge access program.

7. Does this card offer any fuel surcharge waiver?

Yes, a 1% fuel surcharge waiver is provided on fuel spends between ₹400 and ₹4,000, subject to a monthly cap. Applicable at all fuel stations across India.

8. Is the Imperio Credit Card internationally accepted?

Yes, it is accepted globally at Visa-enabled merchant outlets and ATMs. A forex markup fee applies on international transactions.

9. What is the credit limit on this card?

The credit limit is determined by the bank based on your income, credit score, and repayment history. It typically comes with a higher limit than standard credit cards.

10. Can I convert large purchases into EMIs?

Yes, eligible purchases (generally above ₹2,500) can be converted into EMIs at attractive interest rates and flexible tenure options using mobile banking or by calling customer care.

11. Does this card provide concierge services?

Yes, global concierge services are available to assist with travel bookings, restaurant recommendations, hotel reservations, and event access.

12. Is there a contactless payment feature on the card?

Yes, the card is enabled with Visa payWave technology, allowing contactless payments at POS terminals for transactions up to ₹5,000 without entering a PIN.

13. What happens if I lose my card or it gets stolen?

Report the loss or theft immediately to Federal Bank’s customer care. The card will be blocked, and you will not be liable for unauthorized transactions made after reporting. A replacement card will be issued.

14. How can I check my credit card balance or transactions?

You can monitor your card usage via the Federal Bank mobile app, internet banking portal, monthly e-statements, or by enabling SMS/email alerts for every transaction.

15. How do I apply for the Federal Imperio Visa Signature Credit Card?

You can apply online through Federal Bank’s website or visit your nearest branch. The application process involves submitting KYC documents, proof of income, and undergoing a credit evaluation.

List of Federal Bank Imperio Visa Signature Credit Card Branches in Tamil Nadu

Tamil Nadu - Madurai
Salem - Ayothiapattinam
Salem - Suramangalam
Salem - Alagapuram
Salem - Masinaickenpatti

Tamil Nadu - Salem
Tiruchirappalli - Thillainagar
Tiruchirappalli - Tennur
Tiruchirappalli - Srirangam
Tiruchirappalli - Woraiyur

Tamil Nadu - Tiruchirappalli
Tirunelveli - Palayamkottai
Tirunelveli - Vannarpettai
Tirunelveli - Ambasamudram
Tamil Nadu - Tirunelveli

Erode - Gobichettipalayam
Erode - Perundurai
Erode - Sathyamangalam
Tamil Nadu - Erode
Vellore - Katpadi

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