Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • IDBI Credit Card
      "Comfortable to use"
      0.5 4.0/5 "Great!"
      IDBI bank offered a life time free credit card for me. The limit quoted by the bank is not satisfactory but it would be upgraded in the future. I am getting reward points and cash back offers on my card whenever I use the card on shopping and other purpose.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 22, 2017
    • IDBI Credit Card
      "Convenient for all transaction"
      0.5 5.0/5 "Blown Away!"
      I am working with IDBI, hence I am holding same bank credit card, its very convenient, even to check the statement online access was provided. I have not taken EMI on credit card, I am not aware the charges. But as per my usage they gave me good offers on credit card which is great.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2017
    • IDBI Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      It has been two months when I availed credit card from IDBI bank. The services are good and I am satisfied with the credit limit offered by the bank and also I do not have any issues on the rate of interest for the card. Till date it is going good without any hassles.
      Was this review helpful? 0
      , hisar
      Reviewed on Jun 05, 2017
    • IDBI Credit Card
      "Nice features"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I am happy with the overall experience as my card is accept at all the outlets and even for my online shopping as well. There are decent offers and from IDBI and the billing cycle is convenient for me so I do not get to miss out on my payments.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • IDBI Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      IDBI Kissan credit card has the low interest rate and the highest benefits,I got good reward points in this card. Idbi web portal is easy to use and customer friendly. The service is really good with IDBI, because I am a prime customer with IDBI.
      Was this review helpful? 1
      , bhopal
      Reviewed on Apr 05, 2017
    • IDBI Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      It is good in using IDBI credit card. I used to get notification about my payment details and due date. The services of IDBI are much appreciable. There was no hassle till date. The way they are dealing with the customer is really good. I am satisfied with IDBI.
      Was this review helpful? 0
      , mohali
      Reviewed on Mar 03, 2017
    • IDBI Credit Card
      "They should help to other people to get IDBI Credit card"
      0.5 5.0/5 "Blown Away!"
      IDBI was good in notification, It used to send regular updates and alerts for my IDBI Credit card bills. IDBI offered 2.5% of cash back for HP petrol bunks and with good reward points. IDBI has facility to convert more than 4000 amount into an EMI in IDBI ASPIRE PLATINUM CREDIT CARD, But I wish IDBI should this credit card to normal people also to utilize the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 31, 2016
    • IDBI Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      IDBI bank has been me good features and offers on the credit card and there are no charges as well. The card is accessible every where and there are offers online as well. I earn points on every transaction and I can redeem it online. The statements are on time and clear too.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 27, 2016
    • IDBI Credit Card
      "3rd class customer care"
      0.5 0.5/5 "Unacceptable"
      3rd class customer care centres/employee. Hawa mein baatein karte hein they dont have a sound knowledge about the product. People sit at very very important seat I. Email customer care till 9 am no seniors available. .what's the meaning of 24x7. ...
      Was this review helpful? 2
      , chandigarh
      Reviewed on Oct 11, 2016
    • IDBI Credit Card
      0.5 5.0/5 "Blown Away!"
      I am using credit card with IDBI bank and am with them from the last eight months of time. Customer service is good and am an employee with them and the credit limit is also enough for me. I used to get offers in ticket bookings and purchasing also.
      Was this review helpful? 1
      , erode
      Reviewed on Jun 13, 2016
    • IDBI Credit Card
      "Better service "
      0.5 5.0/5 "Blown Away!"
      The credit card service of IDBI was quite good.The customer service and response provided was very good with IDBI on the credit card.The annual fee applied was quite nominal compared to other.They dont have much offers available in the card as of now.I do have a money back card with IDBI
      Was this review helpful? 1
      , baramati
      Reviewed on Feb 17, 2016
    • IDBI Credit Card
      "Good Services"
      0.5 4.0/5 "Great!"
      IDBI Bank is good in their services. The response is good. I use a credit card. They have the regular offers. The cash back offers. The reward points . It is also a life time free card. The rate of interest is normal. But I have not been charged a fee yet. Overall it has been hassle free
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 29, 2016
    • IDBI Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I was holding this cash credit account with IDBI . This account is still active. I am holding this account for more than 3 years . The service offered by IDBI the limit offered on this account 5 lakhs. Its like an overdraft the interest rate is 11% on the amount drawn . We can repay the amount when ever we want till that time they wilL charge interest
      Was this review helpful? 1
      , amritsar
      Reviewed on Nov 28, 2015
    • IDBI Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I, being a employee of IDBI Bank would to give 5 stars for IDBI credit card. This was taken before 2 months back. It is actually an upcoming card. I normally used to get 5% cash back and they would provide surcharge waiver as well . Its a life time free card. Cash withdrawal limit as of now is 15000. There are 2 varieties of card one is aspire and the other one is royal gold. IDBI has planned to introduce new schemes shortly its under pipeline.
      Was this review helpful? 13
      , bangalore
      Reviewed on May 05, 2015
    • IDBI Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      IDBI Credit card its good, since i have my salary account with them its quite convenient. They offered good credit limit. Best part is their is no charges applied in this card is life time free card. It would be great if they provide more offers.
      Was this review helpful? 38
      , new delhi
      Reviewed on Sep 22, 2014
    • IDBI Credit Card
      0.5 4.0/5 "Great!"
      I am overall satisfied with the service of IDBI Bank Salary account the net banking and the fund transfer is very quick and i get alert message from the bank when ever i make a transaction and i am able to take mini statements and i have good number of ATM's.
      Was this review helpful? 26
      , jamshedpur
      Reviewed on Jun 04, 2014
    Common Loader Icon

    IDBI Bank Imperium Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service



    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.


    • 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.


    • 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.


    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.

    Other Top Credit Cards By IDBI

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

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