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  • IDBI Bank Credit Cards

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  • 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:

    Charge Royale Signature Aspire Platinum
    Entry fee Nil Nil
    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%

    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.

    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

    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 transfer money from my IDBI credit card to my bank account?

      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.

    3. Which is the best IDBI credit card?

      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:

      • For the frequent traveller: Euphoria World Credit Card and the Winnings RuPay Select Card. 
      • For everyday spending: Royale Signature Credit Card. 
    4. How can I know my IDBI credit card bill?

      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 24-hour customer care number or obtaining the information via SMS.

    5. Who can apply for an IDBI credit card?

      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:

      • If you are the primary cardholder, you should be at least 21 years old. You can apply for a card until you are 60 years old if you are salaried and until 65 years if you are self-employed.
      • You should be a resident of India.
    6. How can I increase the credit limit on my IDBI credit card?

      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.

    7. Is there an app for IDBI credit 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.

    8. Can we convert IDBI credit card reward points to cash?

      Your IDBI delight points can be converted to cashback and not cash.

    9. How many days does it take to get an IDBI credit card?

      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.

    10. Are there any charges for an IDBI 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:

      • Joining fee
      • Annual fee
      • Cash advance fee
      • Late payment fee
      • Interest on the outstanding balance
      • Over limit fee
      • Cheque return charge
      • Limit enhancement fee
      • Foreign currency conversion fee
      • Rewards redemption fee
      • Balance transfer fee
    11. Can I apply for an IDBI credit card via net banking?

      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.

    12. 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.

    13. 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.

    14. 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.
    15. 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.

    16. 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.

      

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    IDBI Bank Credit Cards Reviews

    • IDBI Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the salary account with IDBI BANK where using from last few years without any hassle process. There are no charges applicable for the any of the services. The online banking is good and it is user friendly to use, overall service is good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 25, 2019
    • IDBI
      IDBI Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The savings account using with IDBI BANK since from last few years and i have a minimum balance should be maintained which was 2500 rupees, apart from that there are no charges applicable for the services. The customer support and responsiveness is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 18, 2019
    • IDBI Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I hold my home loan with IDBI bank a year ago, the loan amount was sufficient based on my requirement,the rate of interest they have charged me was nominal it use to float based on market price, the getting loan i did not face any issue because my friend as done follow up with them to get loan soon.
      Was this review helpful? 3
      , mumbai
      Reviewed on Apr 17, 2019
    • IDBI Credit Card
      "My first credit card"
      0.5 5.0/5 "Blown Away!"
      I taken the IDBI card five years before . IDBI is my first credit card . I can see more improvements in this card over the years . Credit limit is fine .I am expecting , IDBI executive need to contact me at once in a six months for taking some feedback .
      Was this review helpful? 0
      , dehradun
      Reviewed on Apr 16, 2019
    • IDBI Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this credit card for the last one year and the services which they had been providing so far has been good. They had provided me with a good credit limit and the card does not have any sort of annual charges. There has also been some good cash back offers through this card as well.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 04, 2019
    • IDBI Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this credit card for the last one year and the services which they had been providing so far has been quite good. There has been a good credit limit of 50,000 with this card and there has been some added benefits with this card. It has been a life time free card where i am using it for all sort of purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 17, 2019
    • IDBI Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using IDBI bank credit card for long time. They have not charged me annual fee in this card ,as it is life time free credit card. Their service is good, but their net banking is not good, it does not work , like if i want to do on line payment their is no proper option in doing the payment, and so i need to go branch to pay my dues, and i am happy with the credit limit.
      Was this review helpful? 4
      , mumbai
      Reviewed on Jan 26, 2019
    • IDBI Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am holding IDBI BANK Credit card , the card is chargeable but they said if i cross minimum transaction the fees will be waive off. The process of getting the card was easy they came and collected the document on time . Benefits is good , and customer service is up to the mark .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 19, 2019
    • IDBI Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with IDBI BANK. I am holding this card for past 6 month . They offered me a good limit. I was expecting something better, Overall it has been a good experience. Customer service response is up to the mark . Benefits is reward point but i have not avail till date .
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 08, 2019
    • IDBI Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using IDBI credit card mostly, there service is good, they have not charged me annual fee in this card, it is life time free credit card, and i am happy with my credit limit they have given me in this card, and they dont provide much good offers, i do payment on time to time , overall service is good.
      Was this review helpful? 3
      , indore
      Reviewed on Dec 11, 2018
    • IDBI Credit Card
      "Looking for better offer"
      0.5 2.0/5 "Expected more"
      Last 5 to 6 years, I am holding IDBI card, there is no good credit limit even if I call for any queries they wont respond well. There is no reminder call before one day I get the only the sms before the due date, they wont provide any offers too, hence the offers should be enhanced.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 11, 2018
    • IDBI Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Using IDBI credit card for last 2.5 years , am satisfied with the credit limit which they have offered me.As there is no annual charges and additional charges . Am getting reward and cash points for transaction which i make .Their customer service and response is good.
      Was this review helpful? 0
      , vadodara
      Reviewed on Nov 02, 2018
    • IDBI Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The process with IDBI is good for the credit card. There are good deals and there are offers and benefits too. The online banking is fine and it is convenient to use and make the payments. The credit limit is fine as well. Overall I have not faced any issues.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Oct 18, 2018
    • IDBI Credit Card
      "Good in all"
      0.5 4.0/5 "Great!"
      IDBI is good in the credit card services. The customer support is good. There are good deals on the card and the statements are sent to me on time. The credit limit is fine. They are responsive and the card is accepted every where. Till date it is good.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2018
    • IDBI Credit Card
      "Bad service"
      0.5 1.0/5 "Really Bad"
      I applied for IDBI saving account i m unhappy with the service they provide they dont take initiative to help customer even ever i had been with the bank for any service which i need they say me come tomorrow they customer support team is not good they dont provide the exact details which i want, no good service no proper guideline.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 01, 2018
    • IDBI Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Idbi credit card bank for last 1.5 years. Am satisfied with the credit limit which they have provided. Their customer service and response is not up to the mark . Their net banking and mobile banking facility is not that much good. Overall its OK with my credit card
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 25, 2018
    • IDBI Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a credit card with the IDBI bank. The card is also good. It doesn't have any commendable offers. The limit is good and I never had any issues with their services. Overall this card is as useful as any other cards you can find in the market.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 06, 2018
    • IDBI Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I got the Idbi Imperium credit card around16months ago. The customer support service and the response is average with the IDBI bank. The benefits and the offers are limited with this IDBI credit card and I would say it gives an average service to the customers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 31, 2018
    • IDBI Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with IDBI bank 1 year back. I hold master card and the credit limit was 25,000 which is not satisfactory . The customer service and responses was really good .The benefits are good cash back offers,. Its a lifetime free card so I would like to recommend to others.,
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 29, 2018
    • IDBI Credit Card
      "Good services"
      0.5 5.0/5 "Blown Away!"
      IDBI is good in the credit card offers. The customer services and response is good. The statements are clear and the billing cycle is on time. There are good offers and the credit limit is good and when ever I use the card there are no hassles. The transactions are smooth.
      Was this review helpful? 2
      , mumbai
      Reviewed on Mar 23, 2018
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