IDBI Bank, one of the largest commercial banks in India, has played a key role in nation building for over 50 years. IDBI offers a choice of two credit cards to its customers that are globally accepted and protected with enhanced security features.
The IDBI credit card has a basket of benefits and features that are designed to make you a happy customer. Firstly, the card is secured with the EMV chip and PIN enabled feature which provides you peace of mind against fraud. You will be a part of an attractive loyalty rewards programme, use your card all over the world, get add on cards, earn cashback and much more. Customers can choose from two cards on offer from IDBI, the Royale Signature Credit Card and the Aspire Platinum Credit Card.
|Rewards Program||Be a part of an attractive loyalty rewards programme where you can earn IDBI credit card reward points when you spend on your credit card.|
|Buy on EMI||Avail of the option to repay your outstanding amount in monthly installments of 3, 6, 9 or 12 months according to your convenience.|
|Interest-free credit period||Get up to 48 days credit free on your purchases.|
|Global acceptance||The IDBI credit cards are accepted at more than 9 lakh merchant outlets in India and over 29 million establishments around the world.|
|Fuel Surcharge Waiver||Save money when you refuel with a 2.5% fuel surcharge waiver when you swipe your IDBI credit card at fuel pumps across the country.|
|Supplementary cards||Get add on cards for your family members and let them enjoy the benefits and features of the IDBI credit cards as well.|
|No lost card liability||In case you lose your credit card, report it to IDBI Customer Care and your card will be blocked immediately|
|VISA offers||With your IDBI VISA credit card, you are eligible for exclusive deals and discounts on hotels, car rentals and airport shopping|
|Airport Lounge Access||You can avail of this benefit with the IDBI Royale Signature Card. Enjoy access to select airport lounges in India|
|Complimentary Air Travel Accident Insurance||Get covered for Rs. 25 lakhs while you travel on business or leisure with your IDBI Bank Royale Signature credit card.|
|Charge||Royale Signature||Aspire Platinum|
|Annual Fee||Rs. 1499||Rs. 499|
|Renewal fee||Rs. 1499||Rs. 499|
|Add on cards||Nil||Nil|
|Rate of interest per month||2.5%||2.9%|
With an IDBI credit card, you are entitled to earn rewards every time you spend. Get reward points on shopping, dining, movies, travel and more. Use your card within 30 days of issuance to earn welcome points on any transaction worth at least Rs. 1,500. Get additional welcome points if you spend another Rs. 1,500 between 31 and 90 days of card issuance. Redeem your reward points once you've accumulated at least 1000 points for cashback. This can be adjusted against your outstanding balance at the rate of 25 paisa per reward point.
|Category||Aspire Platinum Credit Card||Royale Signature|
|Reward points||2 points for every Rs. 150 spent||3 points for every Rs. 100 spent|
|Welcome points (upon transaction of Rs. 1,500 minimum within 30 days)||500 points||750 points|
|Bonus points (upon transaction of Rs. 1,500 minimum between 31-90 days)||300 points||400 points|
To avail of a credit card from IDBI Bank, you must meet the eligibility criteria.
Customers need to submit documentation to substantiate their applications.
The IDBI Royale Signature Credit Card caters to the high-end user who wants only the best in service and all the luxuries in life no matter where in the world. The card comes with best-in-class privileges that are fashioned to suit your lifestyle. Earn rewards while you travel, shop, dine out or even watch a movie. Earn welcome points and more when you shop on your credit card. Enjoy airport lounge access and complimentary air travel accident insurance! Get all this and more at low rates of interest
With the IDBI Aspire Platinum Credit Card, customers can enjoy low annual fees and enjoy the benefits offered by IDBI like interest-free credit, fuel surcharge waivers, global acceptance, and add on cards. You can also earn rewards every time you spend.
You can apply for a credit card from IDBI Bank on their official website or at any IDBI Bank Branch. Fill up the application form and submit it with the required documents.
The only way to transfer money from your credit card to your bank account is to use the credit card like you would a debit card at the ATM. Once you withdraw money, you can deposit the amount in your bank account. There are two things you need to be aware of when you withdraw money with your credit card. One – you will incur a cash withdrawal fee and the interest applicable on this amount will be charged from the time of withdrawal until the amount is completely repaid. There is no grace period applicable on cash advances. The second aspect to keep in mind is that the amount you are looking to withdraw should be within your cash withdrawal limit.
There is no one answer to this question since the best credit card will be different for different people. However, keep in mind that a good credit card will match your spending pattern and reward those categories on which you spend the most.
For instance, if a major portion of your monthly income goes towards paying utility bills, a good credit card would be one that rewards these spends. This being said, here are a few IDBI credit cards you can consider based on your spending pattern:
Your credit card bill or monthly statement will be sent to your registered email id every month. On the other hand, if you have chosen to receive a physical copy of your statement by post, it will be sent to your address.
You can also log in to your net banking account and download a copy of your bill.
Other methods include calling the bank’s IDBI credit card customer care number or obtaining the information via SMS.
Each credit card may have different eligibility criteria, especially when it comes to the minimum income required. In general, however, these are the conditions you need to fulfil to be eligible for a credit card from IDBI:
A sure shot way to get the credit limit on your card increased is to use your credit card as often as possible. When you use your card well and make payments on time, the bank will regard you as a responsible cardholder and will increase your credit limit.
The other way is to request for a credit limit increase. You may do this if your salary has increased. In order to do so, you will have to provide a written request to the bank along with proof of income. The bank will evaluate your request and accordingly decide whether they should increase the credit limit on your card.
While there is no mobile application exclusively for your credit card, you can download IDBI’s mobile banking application GO Mobile+. You can access your credit card information on the app, check your transactions, any outstanding balance, and pay your credit card bill on the app itself.
Your IDBI delight points can be converted to cashback and not cash.
Ideally, it should take around 7 working days for you to receive your card. Once it has been dispatched, you will receive an SMS with details regarding the courier company and the air waybill number (AWB). You can use this number to track the status of your credit card.
The fees and charges applicable on your card will depend on the type of credit card you are applying for. In general, however, these are the fees and charges that will be applicable on the card:
You can’t apply for a credit card via net banking, but you can apply for one on a credit card comparison website, or by visiting any IDBI branch. Alternatively, you can either call a customer care executive or provide your details under the ‘Help Us Contact You’ section on the website. A bank official will get back to you with details regarding your credit card application.
Yes, you can use your credit card internationally. The card will be enabled for international usage as per your instructions on the application form. If it is not enabled, simply call the IDBI customer care and request for activation. Please note that fees and charges are applicable on international usage.
With your IDBI Aspire Platinum credit card, you can get 1 add on card. The Royale Signature card entitles you to two add on cards. The family member must be above the age of 18 and hold a PAN card. Features of the add on card may vary from the primary card such as lounge access which is available only to the primary cardholder.
There are a number of options available through which you can pay your IDBI credit card bill.
Once you have accumulated at least 1000 points, you can redeem your rewards point through net banking or customer care.
You can check your reward point's balance in your latest credit card statement. You can also check your points if you login to your account online.
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