cards / credit / idbi bank / idbi-imperium-platinum-credit-card
↑ Your name appears embossed when you sign in.
§ BENEFITS
Welcome Benefit - Delight Points
Earn 500 Delight Points on spending Rs 1,500 or more in a single transaction within 30 days of card issuance, or 300 Delight Points if spend is achieved between 30-90 days.
500 DP (within 30 days) / 300 DP (30-90 days)
Reward Points on Shopping, Movies & Travel
Earn 2 Delight Points for every Rs 150 spent on shopping, movies, and travel categories.
2 DP per Rs 150
Visa Benefits - Car Rentals & Hotels
Enjoy special offers on car rentals, hotel bookings, and airport shopping through the Visa benefits program.
Exclusive Visa offers
Visa Airport Shopping Benefits
Get exclusive discounts at participating airport retail outlets through the Visa benefits program.
Airport retail discounts
FD-Backed Credit Limit
Get a credit limit of up to 85% of your Fixed Deposit value with IDBI Bank. Your FD continues to earn interest.
Up to 85% of FD
Cash Withdrawal Facility
Withdraw cash up to 70% of your total credit limit from any ATM in India and abroad.
Up to 70% of credit limit
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- —
- Min monthly salary
- —
- Age
- 18 – 70
- Min credit score
- —
- Existing account?
- Required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹499
- Annual fee
- ₹499
- APR (monthly)
- 3.40% p.m.
- APR (annual)
- 40.80% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Plus applicable GST
† Plus applicable GST from second year
† 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
- Fuel waiver
- Not available
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹2,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹25,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- IDBI Delight Points
- Earn rate
- 2 DP per Rs 150 on shopping, movies, travel
- 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.