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Federal BankSavings account

Federal Bank Imperio Savings Account

A premium Federal Bank family-banking programme with multiple eligibility routes, an Imperio debit card, relationship-management benefits and spend-conditioned lounge access.

First-party evidencePublished researchReviewed September 9, 2026Active
Balance / relationshipQualify via ₹2 lakh AMB, or ₹1 lakh AMB plus ₹10 lakh TRV, or ₹25 lakh TRV at customer/family level; corporate salary customers can qualify with ₹1 lakh net monthly salary credit.
Cost / chargesCore channel/service pricing follows Federal Bank's current service schedule; programme benefits include multiple fee waivers, while specific cash-handling and other charges can still apply.
Limits / allowances₹1 lakh daily cash withdrawal and ₹5 lakh POS/e-commerce limit on the reviewed Imperio proposition.
Ongoing relationship ruleBenefits are governed at customer/family relationship level; linked family members can share programme privileges when qualification is maintained.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipQualify via ₹2 lakh AMB, or ₹1 lakh AMB plus ₹10 lakh TRV, or ₹25 lakh TRV at customer/family level; corporate salary customers can qualify with ₹1 lakh net monthly salary credit.
02 · Cost / chargesCore channel/service pricing follows Federal Bank's current service schedule; programme benefits include multiple fee waivers, while specific cash-handling and other charges can still apply.
03 · Limits / allowances₹1 lakh daily cash withdrawal and ₹5 lakh POS/e-commerce limit on the reviewed Imperio proposition.
04 · Ongoing relationship ruleBenefits are governed at customer/family relationship level; linked family members can share programme privileges when qualification is maintained.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesCore channel/service pricing follows Federal Bank's current service schedule; programme benefits include multiple fee waivers, while specific cash-handling and other charges can still apply.
Balance / relationshipQualify via ₹2 lakh AMB, or ₹1 lakh AMB plus ₹10 lakh TRV, or ₹25 lakh TRV at customer/family level; corporate salary customers can qualify with ₹1 lakh net monthly salary credit.
Core benefitsImperio Debit Card, family banking, relationship management, service waivers, 2 domestic lounge accesses per quarter subject to prior-quarter spend and 1 international lounge visit per calendar year under reviewed terms.
Limits / allowances₹1 lakh daily cash withdrawal and ₹5 lakh POS/e-commerce limit on the reviewed Imperio proposition.
EligibilityResident/eligible Federal Bank customers meeting one of the published Imperio relationship criteria, subject to KYC and bank programme rules.
Ongoing relationship ruleBenefits are governed at customer/family relationship level; linked family members can share programme privileges when qualification is maintained.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Federal Bank customers with meaningful balances/relationship value or ₹1 lakh+ salary who can use the programme's family, lounge and service privileges.

Verify before relying
  • Domestic lounge access requires the stated prior-quarter spend condition.
  • Relationship-value definitions include multiple product categories and should be calculated from the bank's current programme rules.
  • Premium status can be lost if eligibility is not maintained.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Eligible for Celesta card

Federal Bank Mastercard Celesta Contactless Debit Card

Federal Bank lists Imperio among the savings-account schemes eligible for its Celesta Contactless Debit Card.

The bank separately operates an Imperio-branded debit proposition, so the Celesta eligibility edge should not be read as a claim that every Imperio customer receives Celesta by default.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.