What makes IDBI Bank Imperium Platinum Credit Card a unique and must have product is the fact that is it a secured card. You can avail this credit card against your Fixed Deposit(s).
|Type of Fees and Charges||Amount|
|Fee for joining||Rs.499|
|Annual fee for the add-on card||No charge|
|Fee for card renewal||No charge|
|Renewal fee for the add-on card||No charge|
|Interest charged on cash advance||2.90% per month|
|Interest charged on revolving credit facility||2.90% per month|
|Annual fee for the main card (this fee has to be paid from the 2nd year)||Rs.499|
|Overlimit charge||2.5% of the overlimit amount (Minimum – Rs.500)|
|Fee for cash advance||2.5% of the transaction fee (Minimum – Rs.300)|
|Fee for Auto Debit Return||Rs.225|
|Fee for late payment||If amount is below Rs.100, then no charge. If amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If amount is Rs.20,001 and above, then Rs.700 will be charged.|
|Processing fee for outstation cheque||If the value of cheque is up to Rs.5,000, then Rs.25 will be charged. If the value of cheque is more than Rs.5,000, then Rs.50 will be charged.|
|Card replacement fee||Rs.200|
|Cash processing fee||Rs.100|
|Cheque Return fee||Rs.225|
|Transactions made in Foreign Currency||Mark-up – 3.5% of the transaction amount|
|Fee for Charge slip or Charge back||Rs.125|
|Fee for Reward Redemption||Rs.99|
|Fee for Balance Transfer||Processing charge – 1.5% of the transferred amount (Minimum – Rs.199) For EMI – Normal interest rate will apply|
|Fee for duplicate statement||Rs.100|
|Charge for Account Closure||Rs.999 (will be charged only if the account is closed within a year of opening)|
The above mentioned charges do not include GST as applicable.
Note - The rates/fees and charges can be changed at any time by the bank.
To apply for an IDBI Bank Imperium Platinum Credit Card, you can either contact the bank’s customer care number or leave your contact details on the website. You can also choose to visit any branch of the bank and apply for the card in person.
To redeem the Delight Points of your IDBI Bank Imperium Platinum Credit Card, you have to first register and activate your Delight Account. After you register, you can redeem the points for movie tickets, bus tickets, air tickets, mobile recharge, DTH recharge, hotel bookings, IDBI Gift Cards, Cash Back or for other rewards mentioned in the rewards catalogue.
To pay the IDBI Bank Imperium Platinum Credit Card bill, you can use one of the following payment methods:
Once you have successfully applied for an IDBI Bank Imperium Platinum Credit Card, you will receive it within 7 working days.
If you lose your IDBI Bank Imperium Platinum Credit Card, you must immediately report the same to the bank by contacting on its 24x7 Customer Care number. The bank will block your card and cover all the fraudulent transactions that were made after you placed the complaint.
Yes, you can use IDBI Bank Imperium Platinum Credit Card to withdraw cash from any ATMs. You have to only make sure that the amount you withdraw is not more than your cash withdrawal limit.
*GST rate of 18% applicable for all financial services effective July 1, 2017
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