Federal Bank Visa Imperio Credit Card

1. Very Low Annual Percentage Rate (APR): The card has a very attractive APR starting from 0.69% per month or 8.28% per annum. This relatively low rate provides flexibility for those who may revolve their credit and puts this card in a cost-effective proposition against lifestyle cards.

Features and Benefits of the Federal Bank Visa Imperio Credit Card

Welcome Benefit

1. Cardholders receive a welcome kit which includes an Amazon Pay e-voucher worth Rs.400. You must spend Rs.5,000 or more within 30 days of card activation to receive this perk.  

Milestone Benefits

1. Get Big Basket vouchers when you spend Rs.50,000 every quarter.
   

Reward Points Benefits

1. Earn 3x rewards on all your spending across Health Care and Grocery categories  

1. Earn 2x rewards on spends across top essential Utility categories- Electricity bill payments, Gas bill payments, Mobile charges and postpaid bill payments, and other like for like regular monthly expenses.  

1. 1x rewards on all of your other spending categories - to ensure, regardless of where you spend, you continue earning. 

Fuel Benefits

1. 1% fuel-surcharge waiver across all fuel stations in India

Entertainment Benefits

1. Buy one INOX movie ticket and get one more movie ticket for free.

Travel and Airport Lounge Benefits

1. You get two free domestic airport lounge visit every quarter on minimum quarterly spend of Rs.40,000 

Dining Benefits

1. Discounts on dining at selected restaurants 

1. Lifestyle offers on spa services, salons, and online shopping 

1. Special occasion promos, and curated partner products, all branded Visa.

EMI Conversion Facility 

1. The card allows easy EMI conversion for expensive large purchases, enabling cardholders to convert high value transactions into manageable instalments. This is particularly beneficial with respect to festive purchases or emergency expenses. 

Do Not Call (DNC) Service

1. Customers can also register to stop receiving promotional calls or SMS messages related to products and credit cards through a Do Not Call (DNC) service that is put in place; this allows more privacy for users and less unwarranted marketing communication. 

Fees and Charges of the Federal Bank Visa Imperio Credit Card

Interest on Revolving Credit for Federal Bank Visa Imperio Credit Card

How to Link Your Federal Bank Credit Card to Your Existing Savings Account 

Linking your credit card to your existing Federal Bank savings account will give you easy access, more convenient payments, and a single place to manage accounts. Here's how you do it: 

Step 1: Check eligibility for linking 

1. If you currently have a savings account with Federal Bank, the Bank may link your credit card to the account at the Bank's discretion. 

Step 2: Select the preferred account (if you have more than one) 

1. If you hold multiple savings accounts with the Bank, you can select a preferred account to link your credit card to. 

Step 3: Access the card account via Internet Banking; or Fed Mobile 

Once your card is linked, you can: 

1. Log into Internet Banking with your existing User ID 

1. Manage your card account through the Fed Mobile app; and 

1. Easily track transactions and view statements; make payments! 

Step 4: Consent to the use of KYC information 

1. By proceeding to link your credit card to your savings account, you are consenting to Federal Bank using KYC (Know Your Customer) information that you have previously supplied for the savings account. 

Step 5: How to delink your savings account move forward 

If you decide at a later date that you do not want to link your savings account with your credit card move forward: 

1. Simply call Federal Bank Customer Care 

1. A representative will assist you with the delinking process 

How to Get Your Federal Bank Credit Card Reissued or Replaced

If you need help to request for a replacement card if your card is lost, stolen, physically damaged or damaged due to normal wear and tear. You must follow the instructions carefully below to get the reissue or replacement card smoothly. 

Step 1: Identify the problem with your credit card 

1. Make sure you have identified whether your credit card is: 

1. Not working or is defective 

1. Physically damaged or mutilated 

1. Lost or stolen 

1. You should not try to use your credit card once you have identified the problem with the card. 

Step 2: Go to a Federal Bank Card Division Centre 

1. You must go to the Federal Bank Card Division Centre, where you can apply to obtain a new card. You can find a Federal Bank Card Division Centre in your city or locality and bank staff will help with the process to replace or reissue another card. 

Step 3: Application for replacement 

1. Speak to any bank official and request a replacement credit card. The Bank will assess your request, before approving or rejecting your application, at its own discretion. 

Step 4: Payment of applicable charges 

1. It is likely that a nominal fee may apply to the replacement of credit cards. You also will have to pay any applicable charges, if any, in accordance with the Bank's prevailing fee list, at the time the new card is issued. 

Step 5: Properly dispose of damaged cards 

1. When you have a damaged or expired card: 

1. Cut the card in half, including the magnetic stripe. 

1. Return the cut card to the Bank as soon as possible. 

1. Do not attempt to use a damaged card or expired card. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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