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Welcome to Imperio!

An impeccable banking service with a treasure trove of features designed for you! Imperio is a tailor made banking solution that offers a bouquet of bankingservices and much more. Every service we offer is crafted to suit your uniqueness and you can get all your financial products customized as per your requirements. Imperio is finely crafted to take care of all your financial requirements.

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Luxurious

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Ensuring Luxury through premium and personalized services


Convenient

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Providing the best of Banking and Digital Convenience


Enticing

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Offering enticing deep discounts & exclusive deals


Upgrade to Imperio

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  • Experience Imperio
  • Eligibility Criteria
  • Family Banking
  • Key features at a glance
  • Imperio Debit Card
  • Imperio Concierge Program
  • Insurance Benefits
  • Fees & Charges

Onboarding Criteria

Initial funding of Rs 2 Lakhs or more for new customers onboarded to the Bank. Account to be funded within 3 working days from account opening date.

OR

For Resident Salary Customers: Salary credit of Rs. 1 Lakh or more in the SB account.

On-going eligibility criteria - On-going eligibility criteria calculated at a Customer ID level or Family ID level

Customer ID level:

  • Maintenance of an Average Monthly Balance of Rs 2 Lakhs in Imperio savings account OR
  • Maintenance of an Average Monthly Balance of Rs 2 lakhs across savings accounts (In all SB accounts including Noor CA) OR
  • Maintenance of an Average Monthly Balance of Rs 1 Lakh across savings accounts (In all SB accounts including Noor CA) and Fixed Deposits for a minimum amount of Rs 10 Lakhs OR
  • Maintenance of a minimum Total Relationship Value ^ (TRV) of Rs 25 Lakhs.
  • For Resident Salary Customers: Salary credit of Rs. 1 Lakh or more in the SB account.

Family ID level:

  • Maintenance of Family Monthly Average Balance (FMAB) of Rs 2 Lakhs across Savings accounts (Including Noor CA) of all customer IDs linked to a particular family ID# OR
  • Maintenance of Family Monthly Average Balance (FMAB) of Rs 1 Lakh in savings accounts (Including Noor CA) of all customer IDs linked to a particular family ID# and FD(s) for a minimum amount of Rs. 10 Lakhs linked to that particular family ID# OR
  • Maintenance of a minimum Total Relationship Value ^ (TRV) of Rs 25 Lakhs at Family ID level.

# Family ID is generated at the time customer enrols into Family Banking program.

^ Total Relationship Value (TRV), aggregated at Customer ID or Family ID level is composed of savings accounts, Noor Current accounts and FDs.

Customers who do not maintain any one of the mentioned criteria will be converted to a lower category Savings Account with appropriate advance intimation (on half yearly basis); fees and charges of the lower SB A/c will apply accordingly.

Imperio Family Banking Program

Imperio customers can club the balances maintained by their family members as under to arrive at the eligibility criteria:

  • Customer can include a maximum of 4 members as part of the Family Banking Program. Family is defined as Spouse, Father, Mother, Son, Daughter, Father-in-law, Mother-in-law and Siblings.
  • Customer holding a Imperio account can add any of their family member (as per the family definition) maintaining an SB account in personal name with the Bank to the Family Banking Program.
  • Imperio account holder will be the primary holder in the family group.
  • The customer ID of the Imperio account holder would be marked as the Primary customer ID in the Family ID.
  • Other Terms and Conditions as applicable to the standard ‘Savings Account’ will also be applicable to the accounts under this ’Family Banking program’. Hence, members who are part of Family Banking program will have to maintain balances as per their individual savings account requirement.
  • Facility to link and delink a Customer ID to Family Banking Program can be availed by submitting an application form.
  • Any member of the Family Banking Program can leave the group at any point of time by submitting the Family Banking Application form. However, if a family member who holds the Primary Customer ID wishes to leave the group / close his Imperio account, the Family Banking Program will then stand dissolved forthwith automatically.
  • A new member can be added to the Family Banking Program at a later point of time, subject to maximum of 4 members. The Application form (request to become a member of Family Banking Program) is to be filled-in and signed by the new entrant & primary customer and must be submitted to the Bank.
  • NRI customers can be part of Imperio Family Banking Program either as a primary account holder or as a member.
  • Current accounts (except Noor CA accounts), accounts maintained by Hindu Undivided Families and No-Frills accounts are excluded from the purview of the Family Banking Program.
  • Primary account holder cannot be a minor.
  • Family ID is mandatory for all Imperio accounts.
  • KYC Non-Complied customers are not eligible to join Family Banking Program.

Key Features

Explained

Airport Lounge Access program

Extended as part of Imperio VISA lounge access program. Applicable only for Imperio debit card holders. 2 lounge accesses per quarter.

Debit Card related offers

Offers extended by the Bank on shopping with Imperio debit card.

Welcome On-board Gifting

Welcome reward extended by our concierge partner to Imperio customer opting for Imperio debit card. A welcome reward of 2000 bonus reward points will be credited to Federal Reward balance on the first spend (a minimum spend of ₹ 750 or above) on Federal Bank Imperio Debit card.

Insurance Coverage*

The Bank offers following insurance coverage as part of Imperio Insurance program in tie up with TATA AIG.

  • Air Accidental Coverage – ₹ 50 lakh
  • Personal Accidental Coverage – Up to ₹ 25 Lakh
  • Card Protection Plan – ₹ 50,000
  • Air Ambulance – ₹ 50,000

* Terms & Conditions Apply

Concierge Services

Services offered by the concierge partner – Ms Loylty Rewardz Mngt. Pvt. Ltd.

Free subscription to Wealth Management Services

Bank offers

  • Free Portfolio review, research notes, etc.
  • In tie up with Equirus Wealth offers Wealth management services to Imperio clients

Yearly Birthday rewards

Yearly birthday reward extended by our concierge partner to Imperio customers opting for Imperio debit card. Reward - Earn 2X Reward Points (up to 1000 points) on all eligible transactions during the birthday month

Dedicated Customer Care

Specialised team is assigned at Contact centre to handle the calls / emails from Imperio customers.

Concessions on Locker Rent

Concession on locker occupied by Imperio customers. Concession of 50% subject to a cap of ₹ 1000.

Doorstep Banking

Service available only at selected branches.

Concessional Processing Fees

(Housing Loan / Car Loan)

50% concessions in processing fees for retail loans (Housing / Car loan) subject to a cap of ₹ 5,000

Demat Account PIC AMC waiver

50% waiver on the AMC of Demat & PIS accounts held by the Imperio customer.

Personalized Digital Touch points

Personalised digital products offered to Imperio customers like mobile banking platform, net banking platform etc.

Personalized Imperio themed Welcome Kit and Collaterals

Imperio comes with a premium golden design box type welcome kit and a themed cheque book and collaterals to ensure a premiumness in look and feel.

Concession on loan against deposits

Imperio customers can avail AADs and EasyCash at deposit plus 1.5% interest

Zero balance NRO account for Imperio NR customers

NRO account by an Imperio NR customer can be maintained at zero balance

Complimentary Domestic & International Airport Lounge Access

Debit card Type

Complimentary Domestic lounge access

Imperio Resident

2 / Quarter

Imperio NR

2 / Quarter

 

Reward points on all debit card spends - All Imperio Debit Card holders are automatically enrolled as Federal Rewards program. Reward Points earned on your Imperio Debit Card transactions can be used for shopping, dining, watching movies, paying bills and more. Imperio debit card holders can earn 1 point for every Rs 150 spent.

Daily shopping limit of ₹ 4 Lakhs (Applicable for all retail POS / ECOM transaction)

Daily ATM Withdrawal limit of ₹ 1 Lakh

  • Birthday Month offer - Get up to 2x reward points on all (POS/ECOM) spends done on birthday month up to 1000 points.
  • Welcome on board offer - Get accelerated reward points up to 2000 points on first POS/Ecom transaction (one time).

Safe Click feature (No OTP up to Rs. 2000) VISA Safe Click feature for faster payments on online merchant payment gateways without having to enter any card details per transaction

  • Book My Show offer - Get 50% discount up to Rs. 300 on minimum booking of 2 movie tickets and Rs. 200 off on Food Combos
  • E-Commerce Purchase Protection up to Rs. 14000 (USD 200)
  • Digital Concierge Services (Live Chat for making any request round the clock, ATM Locator will guide to the nearest ATM in the vicinity, Over 300 Dining Benefits with 25% off and complimentary beverages across restaurants, Golf Benefits with 30% off on green fees at golf courses, Self Service Hotel Bookings and Dining Reservations)
  • Comprehensive Suite of Services (24/7 Emergency support for Lost & Stolen Card, 24/7 Cardholder Enquiry Service, Emergency Card Replacement in 1-3 days in US and Abroad, Emergency cash Disbursement at 2.7L + locations)

Visit here to check out latest offers on your card.

Enjoy the exclusive 24/7 Concierge Services on your Imperio Debit card. Call the Federal Bank Concierge Service desk at 1800-258-2566 or +91-40-67284302 (Monday – Saturday; 9AM – 6PM) to book a Concierge Service or email at concierge@federalrewards.in to receive a call back from our agent to take the booking request. Services can be booked through FedNet also.

Services offered under the program

Travel Services and Premium Services

Arts and Culture Services

Hotel Referral and Reservation Assistance

Flight Information and Ticketing Assistance

Luxury Car Rental and Limousine Referral and Reservation Assistance

Pre-trip Inoculation and Visa Requirement Information

Airport Limousine Concierge

Airport VIP Service Meet-and-Greet

Airport Lounge Access

Currency Rates and Conversions

Trip Planning and Assistance

Overseas Language/Translation Support

Sightseeing and Destination Recommendations

Luxury Yacht and Cruise Information and Reservations

Arts and Antiques Dealers Information Assistance

Flower and Gift Delivery Assistance

Jewellery and Watches Referral Assistance

Major Shopping Belts/Locations Information

Spa, Fitness Centre and Sports centre Information and Referral Assistance

Business Services

Courier Service Assistance

Translation Services

Other Services

Event Planning

Pet Care Assistance

Massage and Aromatherapy Services

All concierge service bookings have a non-refundable convenience fee (exclusive of taxes) of 2% of the booking amount or Rs.500, whichever is lower. For details of service please contact Federal Bank Concierge Service desk.

Imperio Insurance Program

The Bank offers following insurance coverage for Imperio main account holder and family members as part of family banking program.

  • Air Accidental Coverage – ₹ 50 lakh
  • Personal Accidental Coverage – Up to ₹ 25 Lakh
  • Card Protection Plan – ₹ 50,000
  • Air Ambulance – ₹ 50,000

Important Terms and Conditions

  • Customers in the age group of 18 – 65 will only be covered.
  • Cover will be valid only if the customer was maintaining the Imperio eligibility criteria for the last three months from the claim date.
  • For accidental death base sum insured would be Rs 500,000 and further accelerated by Rs 1,00,000 for every transaction done for POS (Point of Sale) or e-commerce up to a maximum amount of Rs 30,00,000.
  • Insurance coverage will be automatically renewed every year if the customer is maintaining the Imperio eligibility criteria.
  • For claiming air accidental coverage, flight ticket should be purchased using the Federal Bank Imperio debit card.
  • Fraudulent charge cover for Imperio clients will be valid only for those Imperio cards applied while account opening or upgrading. If the cards are applied during interim period, the protection plan will not be applicable for the first year. Whereas the same shall be eligible depending on the card status on the subsequent year onwards.
  • The claim shall be payable under any one section: Accidental Death or Accidental Death (Air Accidents Only).
  • For skimming / phishing / counterfeit card / internet banking extensions: report to Bank within 60 days from the statement/billing cycle date. However, this above reporting period will not be applicable where we can establish with documentary evidence that the information of misuse was known to the insured cardholder and he has not taken appropriate steps to prudently block or report the card mis-usage within 24 hours of such knowledge.
  • For other T&C and more details contact Imperio Desk – imperio@federalbank.co.in

Basic Charges for Imperio main account holder

Features

Charges Applicable

Service charges if eligibility criteria’s are not met

NA

Debit card type for Primary Imperio Holder

Imperio Resident / NR debit card

Issuance Fee for Primary Imperio Holder

NIL

Annual maintenance Charge for Primary Imperio Holder

Rs 599* (Excluding GST)

* AMC is exempted if the annual spend is above ₹ 1,00,000 through ECOM/POS

Issuance Fee for Imperio Family Holder/Add on card

Rs. 500 (Excluding GST)

Annual maintenance Charge for Family Imperio Holder/Add on card

Rs 599* (Excluding GST)

* AMC is exempted if the annual spend is above ₹ 1,00,000 through ECOM/POS

Debit card renewal

Free

Cheque Book Issuance

Unlimited, Free

FedNet (Internet Banking)

Free

FedMobile (Mobile Banking)

Free

Ledger Folio Charges

Free

Daily Debit card cash withdrawal limit

Rs 1 Lakh

Daily POS transaction limit

Rs 4 Lakhs

DD Charges

Free (Local DD Only)

NEFT

Free

RTGS

Free

IMPS

Free

AWB Charges

As per Service charges & Fees

ECS / NACH Transaction Fee

As per Service charges & Fees

Cash Handling Charges

As per Service charges & Fees

Collection of cheques (outstation)/Inward LCC

As per Service charges & Fees

Transaction Failure charges

As per Service charges & Fees

Demat Charges – Demat Account and PIS AMC

50% discount for Life

Subscription to Wealth Management Services

Free

Locker Rent

50% Concession to a cap of Rs 1000

AAD rate waiver

AAD at deposits plus 1.5% exclusively for Imperio customers

  • Customers who do not qualify for the Imperio eligibility criteria will be converted to normal savings account with due notice. Fees and charges will apply accordingly.
  • The charges mentioned in the above document is subject to modification from time to time solely at Bank's discretion.
  • Charges not specified above will be as per the service charges and fees structure of Bank.