Eligibility Criteria

Becoming an Imperio customer means stepping into a distinguished circle of banking excellence—and it starts with meeting a set of premium eligibility requirements. The Imperio eligibility framework ensures that every member of this exclusive segment enjoys a thoughtfully curated experience, reserved for those who seek elevated recognition and unmatched priority.

You can enjoy all Imperio privileges by meeting any one of the following eligibility criteria:

• Maintain an Average Monthly Balance (AMB) of ₹2 Lakhs across all individual Savings/individual Current Accounts at Customer ID/Family ID level.
• Maintain an AMB of ₹1 Lakhs across all individual Savings/ individual Current Accounts at Customer ID/Family ID level along with a Total Relationship Value (TRV) of ₹10 Lakhs across Customer ID/Family ID.
• Maintain a minimum TRV of ₹25 Lakhs across Customer ID/Family ID.
• For Corporate Salary Customers: Net monthly salary credit of ₹1 Lakhs or more.

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

^Total Relationship Value (TRV), aggregated at Customer ID or Family ID level is composed of individual savings accounts, individual current accounts, term deposits, WMS AUM, Insurance premium paid (during last 12 months) + 20% of outstanding Retail Loans.

Family Banking

Imperio Family Banking Programme

Under Imperio’s Family Banking programme, a primary account holder can link up to four eligible family members. By meeting the eligibility criteria together, every linked member becomes entitled to the special benefits and privileges offered under the Imperio programme. Eligible family members include Spouse, Parents, Children, Son – Daughter-in-law, Father – Mother-in-law and Siblings.

Exclusive Benefits for Added Family Members

• Imperio Debit Card* offering premium features and enhanced convenience
• Comprehensive insurance coverage* for the family members
• Service charge waiver for NEFT, RTGS, IMPS, DD & AMB for selected account schemes.

* For family members linked to the family id (except minors) and holding separate individual savings accounts with us.

*Term & Conditions Apply - The offers / conditions / charges mentioned in this document is subject to modification from time to time solely at Bank's discretion. For more details, please contact your nearest Branch.

For latest card related offers, please visit: https://www.federal.bank.in/deals-and-offers

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

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:

• Accidental Death - Air Accidental Cover - Rs 100 Lakhs
• Accidental Death - Upto Rs 40 Lakhs (For Imperio Salary) / Upto Rs 30 Lakhs (For Imperio account holders maintaining any other eligibility criteria)*
• Payment Protection package - Upto Rs 2 Lakhs
• Term Life Insurance coverage - Upto Rs 1.5 Lakhs$ (Only for Imperio Salary scheme)
• Daily Hospital Cash (Accident & illness) - Rs 2500 for 10 days (1 day deductible)**

Important Terms and Conditions

• Insurance coverage is provided by HDFC ERGO General Insurance Company Ltd & Ageas Federal Life Insurance Company Ltd.
• Customers in the age group of 18 – 65 will only be covered.
• The insured should have Indian citizenship to be covered under the policy.
• The present insurance policy is live as on 01-11-2025 and is valid until 31-10-2026.
• Insurance will be live from 60th day of customer onboarding (ie Account opening / upgradation date) and will be valid for next 12 months.
• Cover will be valid only if the customer was maintaining the Imperio eligibility criteria for the last three months from the claim date.
• Insurance coverage is extended to primary account holders and family members added under family banking program.
• *Imperio Salary - Accelerated cover up to ₹35 Lakhs (Total Base + Accelerated cover to be ₹40 Lakhs max): For every additional POS / ecommerce transaction carried out through the Imperio Debit Card up to 365 days prior to the date of loss, sum insured increases by ₹1,50,000/- per transaction. Imperio Others - Accelerated cover up to ₹25 Lakhs (Total Base + Accelerated cover to be ₹30 Lakhs max): For every additional POS / ecommerce transaction carried out through the Imperio Debit Card up to 365 days prior to the date of loss, sum insured increases by ₹1,50,000/- per transaction
• The claim shall be payable under any one section: Personal Accidental Death or Accidental Death (Air Accidents Only).
• **Waiting period will be applicable for Daily Hospital cash as per below.
• General – 30 days
• Specific illness & Procedure – 24 Months
• Pre-existing Disease – 48 Months
• $ - For Term Life Insurance coverage - ECOM / POS spent of minimum Rs.1000 within 60 days of onboarding to Imperio Salary scheme using the Imperio debit card is the basic criterion required for activation of this feature.
• Complimentary features offered in Imperio Salary schemes are solely depended on the salary credits in accounts.
• 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.
• Accidental claim should be reported to us within 15 days
• To register claims related to Air Accident, Personal Accidental Death, Fraudulent charge cover & Daily Hospital Cash, customer can call

  Claim Intimation Customer Service No. 022 - 62346234/ 0120 - 62346234, Email: care@hdfcergo.com

           Claim Intimation Timelines: within 15 days from the date of occurrence of the event

• The cover is not valid for pilots, air crew, police, defense or any other armed forces.
• 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 misusage within 24 hours of such knowledge.
• Treatments other than allopathic medicine are excluded.
• For other T&C and more details contact Imperio Desk – imperio@federalbank.co.in

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