Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    IDBI Bank Credit Cards

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    IDBI Bank Credit Cards Reviews

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    IDBI Bank Credit Cards is Rated as "Excellent!" by 8 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service



    Overview of IDBI Credit Card:

    IDBI Bank, one of the largest commercial banks in India, has played a key role in nation building for over 50 years. With its headquarters in Mumbai, IDBI has established itself in the financial sector including the capital market, mutual funds and investment banking. The bank is backed by a strong business strategy along with a dedicated and competent workforce. IDBI provides personalised banking products and services through a state-of-the-art technology platform. It also deals with customised financial solutions.

    IDBI offers a choice of two credit cards to its customers that are globally accepted and protected with enhanced security features. Choose a card to match your lifestyle and preferences and enjoy a host of benefits. Customers can enjoy paying for purchases on EMIs along with other best-in-class privileges.

    Why Choose IDBI Credit Card?

    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.

    Features and Benefits of IDBI Bank Credit Cards:

    • Rewards Program:

      Be a part of an attractive loyalty rewards programme where you can earn points when you spend on your credit card. Avail of cash back for the points earned and adjust it against your outstanding balance. The reward points are valid for 3 years. You need at least 1000 points to redeem them at the rate of 25 paise per reward point.

    • 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. The minimum amount required for this facility is Rs. 3000 and is available on cards that have been issued at least 6 months back.

    • Interest-free credit period:

      Get up to 48 days credit free on your purchases. If you pay your bills in full, your interest-free period will start afresh on new 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. The card is internationally valid. Activate international transactions with one phone call to the IDBI customer care.

    • 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. The transaction amount should be between Rs. 400 and Rs. 4000.

    • Supplementary cards:

      Get add on cards for your for your family members and let them enjoy the benefits and features of the IDBI credit cards as well. Reward points earned on these cards will be clubbed with the primary card. Add on cards can be availed of for family members above the age of 18.

    • No lost card liability:

      In case you lose your credit card, report it to to IDBI Customer Care and your card will be blocked immediately. This will prevent any misuse of the card. After reporting the loss, IDBI will cover any fraudulent transaction.

    • VISA offers:

      With your IDBI VISA credit card, you are eligible for exclusive deals and discounts on hotels, car rentals and airport shopping. Also get complimentary travel concierge services as a VISA signature Cardholder.

    • Airport Lounge Access:

      You can avail of this benefit with the IDBI Royale Signature Card. Enjoy access to select airport lounges in India and relax. The offer is provided by VISA no matter which airline and class you’re on.

    • 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.

    IDBI Bank Charges and Interest:


    Royale Signature

    Aspire Platinum

    Entry fee



    Annual Fee

    Rs. 1499

    Rs. 499

    Renewal fee

    Rs. 1499

    Rs. 499

    Add on cards



    Rate of interest per month



    IDBI Bank Rewards:

    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.


    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

    IDBI Bank Credit Card Eligibility:

    To avail of a credit card from IDBI Bank, you must meet the eligibility criteria.

    • Residents of India can apply.
    • The applicant should be at least 21 years old.
    • Applicants should not be more than 60 years old. This is extended to 65 years in case of the self-employed.
    • Add on cards can be taken for family members above the age of 18.

    IDBI Bank Credit Card Documents Required:

    Customers need to submit documentation to substantiate their applications.

    • Recent Passport Size Photograph
    • ID Proof - Any one of the following
      • Passport
      • Driver’s licence
      • PAN card
      • Aadhar card
      • Voter’s ID
    • Residential proof - Any one of the following
      • Passport
      • Aadhar Card
      • Electricity Bill
      • Telephone bill
      • Election card
    • Income Proof
      • Last 3 months’ salary slip
      • Last 3 months’ bank statement
      • Latest IT Returns
      • Form 16

    List of IDBI Credit Cards:

    • IDBI Bank Royale Signature Card

      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

    • IDBI Aspire Platinum Credit Card

      With the 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.

    IDBI Credit Card FAQs:

    1. How to apply for an IDBI credit card?

      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.

    2. Can I use my IDBI credit card when I go abroad?

      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.

    3. How many add on cards can I take for my family?

      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.

    4. How do I pay my credit card bill?

      There are a number of options available through which you can pay your IDBI credit card bill.

      • Auto debit facility - For customers who have a savings or current account with IDBI, you can authorize the bank to deduct the amount due automatically from your bank account.
      • Net Banking - Pay your bills from your IDBI account using the IDBI net banking facility.
      • NEFT - Add your credit card number as the beneficiary account number, add IDBI bank and the IFSC code and make the payment through NEFT online.
      • Cheque or draft - You can drop a cheque or draft made out to IDBI Bank followed by your card number and name, and drop it at any of the cheque drop boxes at IDBI ATMs and bank branches.
      • Cash payment - You can pay in cash at any IDBI Bank branch by providing details of your card number, amount and contact number.
      • Visa Money Transfer - With the Visa Money Transfer facility, you can pay securely through other bank accounts.
      • IPay - Pay from different bank accounts directly to your credit card.
    5. How do I redeem my reward points?

      Once you have accumulated at least 1000 points, you can redeem your rewards point through net banking or customer care.

    6. How do I check how many points I have?

      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.

    Information provided is as released by the bank and subject to change without notice.

    News About IDBI Bank Credit Card

    • RBI grants full licence to Experian

      The competition in this arena is expected to further strengthen the infrastructure capabilities of CIBIL, which currently has the first mover advantage and a huge database to its credit, not to mention a huge list of banks and financial institutions as its members.

      18th September 2014

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