Imperio Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Federal Bank
Network: Visa | Tier: Premium
The Imperio Credit Card is a Premium Visa credit card issued by Federal Bank, best suited for professionals. It carries a joining fee of ₹2,999, with an interest rate of 3.49% per month. Key benefits include Lifestyle rewards, Reward points, and Lounge. New cardholders get a welcome benefit of Welcome. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹6,00,000/year to qualify. It falls under the Premium, Travel, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the Imperio Credit Card?
The Imperio Credit Card is a Premium-tier Visa credit card issued by Federal Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Professionals. With a reward rate of Reward points and an annual fee of ₹2,999, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome, which adds immediate value in the first year and helps recover the ₹2,999 joining fee.
Imperio Credit Card Fees & Charges
| Annual Fee | ₹2,999 |
|---|---|
| Joining Fee | ₹2,999 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Imperio Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | Welcome |
| Lounge Access | Lounge |
| Best For | Professionals |
Key Highlights of the Imperio Credit Card
- Lifestyle rewards
- Reward points
- Lounge
Imperio Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the Imperio Credit Card
- Balanced perks — a real advantage for professionals.
Drawbacks of the Imperio Credit Card
- On the downside: moderate rewards.
Imperio Credit Card — Frequently Asked Questions
What is the annual fee of the Imperio Credit Card?
The Imperio Credit Card has an annual fee of ₹2,999 and a joining fee of ₹2,999. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.
Does the Imperio Credit Card offer airport lounge access?
Yes — the Imperio Credit Card offers Lounge.
Who is eligible for the Imperio Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Imperio Credit Card?
The Imperio Credit Card earns Reward points. It is best suited for Professionals.
Credit Cards Similar to the Imperio Credit Card
If you are considering the Imperio Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.4/5