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  • IDBI Bank Imperium Platinum Credit Card

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  • 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).

    Key Points:

    • 85% of FD as credit limit.
    • 2 Delight Points per Rs.150 spent on movies, shopping, travel, etc.
    • 500 Delight Points as welcome gift.
    • Exclusive offers from Visa.

    Benefits:

    • Welcome Gift – Earn 500 Delight Points when you spend at least Rs.1,500 in one transaction using your IDBI Bank Imperium Platinum Credit Card within the first 30 days or get 300 points between 30 and 90 days of receiving the card.
    • Rewards – On every Rs.150 that you spend using this card on movies, shopping, travel, etc., you will receive 2 Delight Points.
    • Credit Limit – This card offers a credit limit of up to 85% of the Fixed Deposit amount.
    • Cash Withdrawal Limit – This card offers up to 70% of the credit limit as cash withdrawal limit.
    • Exclusive offers from Visa – Cardholders can enjoy exclusive offers on hotels, airport shopping, car rentals, etc., when they use this card to make transactions. They can also enjoy the travel concierge services offered by Visa.

    Features:

    • Worldwide Acceptance - IDBI Bank Imperium Platinum Credit Card is a global card that is accepted by more than 9 Lakh merchants in India and by more than 29 Lakh stores outside the country.
    • Welcome e-Kit – Cardholders will get a digital welcome kit from the bank. This kit will have details about the card such as Card Usage policy, agreement, Most Important Terms and Conditions (MITC), etc.
    • Delight Points Redemption – Cardholders can redeem their Delight Points to avail amazing offers from popular brands.
    • Add-on Cards – With this card, people can avail add-on cards for their family members. All the primary card features and benefits can be enjoyed by the add-on cardholders.
    • Interest Free Period – This card offers interest free credit period of up to 48 days on transactions.

    Eligibility Criteria:

    • The minimum age requirement for IDBI Bank Imperium Platinum Credit Card is 18 years.
    • The minimum Fixed Deposit amount eligible for this card is Rs.20,000 or an equivalent FCNR deposit.
    • Fixed Deposits that are held by minors, HUF, NGOs, Trusts, Clubs, Societies, Private and Public Ltd. companies, and Partnerships are not eligible for this card.
    • Fixed Deposits with sweep-out service, Third Party Fixed Deposit(s), Tax Savings FDs and Fixed Deposits in combination of FCNR and INR are not eligible for this card.
    • This card can be applied for by an individual applicant or the nominees.

    Required Documents:

    • Proof of Identity – Applicants of IDBI Bank Imperium Platinum Credit Card have to submit their PAN Card as ID proof.
    • Duly discharged COD (Confirmation of Deposits).
    • A recent photograph.

    Fees and Charges:

    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.
    Limit enhancement Rs.100
    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.

    How to Apply?

    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.

    FAQs:

    1. How do I redeem the Delight Points of my IDBI Bank Imperium Platinum Credit Card?

      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.

    2. How to pay the IDBI Bank Imperium Platinum Credit Card bill?

      To pay the IDBI Bank Imperium Platinum Credit Card bill, you can use one of the following payment methods:

      • Net Banking Service.
      • Auto-Debit Facility.
      • NEFT Service.
      • Draft or Cheque.
      • Cash.
      • IPay.
    3. I have applied successfully for an IDBI Bank Imperium Platinum Credit Card. By when will I receive the card?

      Once you have successfully applied for an IDBI Bank Imperium Platinum Credit Card, you will receive it within 7 working days.

    4. What to do if I lose my IDBI Bank Imperium Platinum Credit Card?

      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.

    5. Can I use IDBI Bank Imperium Platinum Credit Card to withdraw cash from ATMs?

      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.

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    *GST rate of 18% applicable for all financial services effective July 1, 2017

      

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