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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 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 a variety of credit cards.
|Credit card Variant||Joining fee|
|IDBI Bank Royale Signature Card||Nil|
|IDBI Bank Euphoria World Credit Card||Nil|
|IDBI Bank Aspire Platinum Credit Card||Nil|
|IDBI Winnings RuPay Select Credit Card||Nil|
|LIC CSL IDBI Eclat Select Credit Card||Nil|
|LIC CSL IDBI Lumine Platinum Credit Card||Nil|
|IDBI Bank Imperium Platinum Credit Card||Rs.499|
To avail of a credit card from IDBI Bank, you must meet the eligibility criteria.
Customers need to submit documentation to substantiate their applications.
You can apply for a credit card from IDBI Bank in different ways. They are:
By visiting the bank branch
There are two ways through which you can check IDBI credit card application status. It can be either online or offline. To check online, you can do it through net banking while if you want to check it offline, you need to visit the IDBI branch. You can also get to know the application status through phone, email, and post.
IDBI credit cards bill payments can made either online or offline. Online and offline payment of credit card bills can be made using different channels like auto-debit, NEFT, net banking, cheque/draft, visa money transfer, iPay, cash etc.
IDBI Bank credit card users can contact the credit card customer care cell for any unresolved query via call or email. Here are the details:
IDBI Bank Ltd.
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.
Your IDBI delight points can be converted to cashback and not cash.
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.
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.
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.
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.
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.
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.
LIC Cards Services Limited (LIC CSL) and IDBI Bank have partnered to launch two variants of co-branded RuPay credit cards. Named LIC CSL ‘Lumine’ Platinum credit card and LIC CSL ‘Eclat’ Select credit card, the cards come with a host of benefits and enable cardholders to enjoy best-in-class credit limit to suit their lifestyle. Both the cards are initially targeted at LIC policyholders, LIC agents, and employees of LIC of India and its subsidiaries. The cards come with a validity of 4 years and interest free credit period of up to 48 days.
Some of the benefits offered on the cards are earning 1000 and 1500 welcome bonus delight points respectively for spending Rs.10,000 within 60 days from the date of card issuance. In addition to that, Lumine cardholders can earn 3 delight points and Eclat cardholders 4 delight points on spending Rs.100 using the card. For paying renewal insurance premium of LIC, cardholders are offered 2X reward points. Cardholders can also avail attractive insurance coverage, benefit of 1 percent fuel surcharge waiver on transactions of Rs.400 onwards, and facility to convert transactions of over Rs.3000 to EMIs.
IDBI Bank is prepping for the launch of a co-branded credit card with the Life Insurance Corporation (LIC). LIC is also one of the largest shareholders of the bank. The bank will be joining with the LIC Card Services which is a wholly owned subsidiary of the insurance giant.
This move will be considered as a part of their strategy to work on the synergies between the 2 organisations. This comes after the Life Insurance Corporation of India has acquired the majority of stakes in the bank back in 2019.
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