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Federal Bank
Lifetime free with 3x on healthcare and groceries, and 2x on utility bills
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to Federal Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from Federal Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromGroceries
No published ceiling on this tier
Healthcare
No published ceiling on this tier
Utilities
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Groceries — 3x on healthcare and groceries. Federal publishes no rupee value for the point., with no stated cap.
Biggest limitation
Lounge access needs Rs. 40,000 of spending in the preceding quarter, twice the Signet's threshold.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3 pts
uncappedGroceries
3x on healthcare and groceries. Federal publishes no rupee value for the point.
3 pts
uncappedHealthcare
2 pts
uncappedUtilities
Electricity, gas and mobile bill payments.
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 2% | 2% of the statement amount due, subject to a minimum of Rs. 100 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Federal Bank Imperio Credit Card · this card | Lifetime free | 3% groceries | Included |
| Federal Bank Celesta Credit Card | Lifetime free | Up to 3 reward points per ₹100 | Included |
| Federal Bank Signet Credit Card | Lifetime free | Up to 3 reward points per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 3% on groceries, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
3x rewards on healthcare and groceries, 2x on utility categories including electricity, gas and mobile bill payments, and 1x on everything else. The accelerated categories are recurring household spending rather than discretionary, which makes this the Federal card most households will earn most on.
Yes, at 2x. That is worth noting because a great many cards in this catalogue exclude utilities from earning entirely, or pay a reduced rate on them. Here they sit in the middle tier alongside nothing else, which for a household paying electricity, gas and mobile monthly is real recurring value.
Two complimentary domestic lounge visits a quarter, unlocked by spending Rs. 40,000 in that quarter — so up to eight a year if the bar is cleared every quarter. That is about Rs. 13,300 a month, twice the Signet's threshold for twice the visits.
Federal publishes no joining fee and no annual membership fee, and describes that as a limited-period offer rather than a permanent term, as it does across its range. It is free today; confirm it on the application page on the day you apply.
Both cost nothing, so it is purely about categories and lounges. Imperio for healthcare, groceries and utility bills with eight domestic lounge visits a year at a Rs. 40,000 quarterly bar. Celesta for travel, international spending and dining, with the same two domestic visits a quarter at a Rs. 60,000 bar plus two international visits a year with no spend condition at all.
Federal does not publish a rupee value, so we quote the multiplier rather than a percentage. The 3x and 2x tiers are meaningful relative to each other and to the 1x base, but they cannot be compared against a cashback card's percentage without the conversion rate, which Federal does not state.
Most reward cards point their best rate at discretionary spending — dining, shopping, travel. The Imperio points it at healthcare and groceries at 3x, and utility bills at 2x. Those are not choices a household makes; they are things it pays every month regardless.
That makes the card's earning predictable in a way a dining card's is not. It also means the card works for somebody whose discretionary spending is small, which is exactly the household a free card suits.
Across this catalogue, utility bill payments are one of the most commonly excluded categories. Several cards name utilities alongside rent, fuel and wallet loads as earning nothing, and others pay a reduced rate on them.
The Imperio puts them in its 2x tier, alone. For a household paying electricity, gas and a mobile bill every month that is steady recurring value on a card that costs nothing — and it is the clearest reason to choose this one over Federal's Signet or Celesta.
Two complimentary domestic lounge visits a quarter, unlocked by Rs. 40,000 of spending in that quarter — up to eight a year. That is about Rs. 13,300 a month, which a household running its groceries and utilities through the card will often clear without trying.
Compare it across the range before choosing. The Signet gives one visit a quarter at Rs. 20,000, the Imperio two at Rs. 40,000, and the Celesta two at Rs. 60,000 plus two international visits a year with no spend condition. Per rupee of spending, the Imperio is the middle option and the Signet the easiest.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Federal Bank Imperio Credit Card — 3% on groceries. No annual fee.