cards / credit / idbi bank / idbi-aspire-platinum-credit-card
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§ BENEFITS
Welcome Benefit - Delight Points
Earn 500 Delight Points on first card usage after activation.
500 DP
Reward Points on All Spends
Earn 2 Delight Points for every Rs 150 spent across all merchant categories in India and abroad.
2 DP per Rs 150
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000 at all fuel stations across India. Maximum waiver of Rs 300 per statement cycle.
1% waiver up to Rs 300/month
Interest-Free Credit Period
Enjoy up to 48 days of interest-free credit period on all retail transactions.
Up to 48 days
Global Merchant Acceptance
Accepted at over 9 Lakh merchants across India and 29 million merchants worldwide through the Visa network.
9 Lakh+ India, 29M+ global
Add-On Cards
Get complimentary add-on credit cards for eligible family members above 18 years of age.
Add-on cards available
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- —
- Min monthly salary
- —
- Age
- 21 – 65
- Min credit score
- —
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 2.90% p.m.
- APR (annual)
- 34.80% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Lifetime Free
† Lifetime Free
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹300
- Other bank free / month
- 0
- Other bank charge
- ₹300
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3% of txn
† min ₹300
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹300
- Networks
- Indian Oil, Bharat Petroleum, Hindustan Petroleum, Reliance Petroleum, Shell
§ LIMITS
- ATM / day
- ₹75,000
- POS + e-com / day
- ₹2,50,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- IDBI Delight Points
- Earn rate
- 2 DP per Rs 150 on all spends
- Point value
- ₹0.2
- Effective cashback
- 0.27%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Lounge access
- Not available
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IDBI Bank and earns no commission on applications.