IDBI Credit Cards

IDBI Bank Credit Card Features and Benefits

While IDBI Bank might not be as widely known for its credit card services, it offers a range of exclusive cards that cater to various needs, from premium to basic categories. These cards come with numerous advantages, including the following general features and benefits:

1. Welcome Benefits: IDBI credit cardholders receive welcome benefits upon joining, which can include gifts or offers. These benefits vary by card and are typically granted after paying the card’s joining fee.

2. Rewards: Like other leading card issuers, IDBI Bank rewards its credit card users for their spending. Cardholders earn delight points with each transaction, which can be redeemed for various rewards.

3. Travel Benefits: IDBI credit cards often come with travel perks, such as complimentary access to domestic and international airport lounges, discounts on travel bookings, and other travel-related deals.

4. Other Benefits: Additional advantages include zero liability protection, fuel surcharge waivers, and insurance benefits, providing comprehensive value to cardholders.

IDBI Bank Credit Card Rewards and Cashback

Different credit cards issued by IDBI come with varying reward rates, often influenced by the card’s annual fee. Generally, cards with higher annual fees offer higher reward rates compared to those with lower fees. Additionally, the reward rate may vary across different spending categories. 

Credit Card Name	Reward Structure
IDBI Bank Royale Signature Credit Card	– 2 Delight Points for every Rs. 100 spent on general purchases – 3 Delight Points for every Rs. 100 spent on specific categories
IDBI Bank Euphoria World Credit Card	– 3 Reward Points for every Rs. 100 spent on general purchases – 6 Reward Points for every Rs. 100 spent on hotels, airlines, and bus bookings
IDBI Bank Aspire Platinum Credit Card	– 2 Reward Points for every Rs. 100 spent on retail transactions
IDBI Bank Imperium Platinum Credit Card	– 2 Delight Points for every Rs. 150 spent on shopping, dining, and travel
IDBI Bank Winnings Credit Card	– 2 Delight Points for every Rs. 100 spent on general purchases

By understanding these reward rates, cardholders can choose the IDBI Credit Card that best suits their spending habits and maximizes their benefits.

How To Earn and Redeem IDBI Bank Credit Card Reward Points?

Delight Points, earned through IDBI Bank credit card transactions can be redeemed by activating the Delight Account. Here are the two methods to activate the account:

#1. Through IDBI Internet Banking Option:

• Step 1: Log in to the IDBI Bank credit card net banking account.
• Step 2: Access the Rewards section and enter the One Time Password (OTP) sent to the registered Mobile Number.
• Step 3: Upon successful verification, users will receive a User ID & Password for IDBI Delight on their registered email ID and Mobile Number.
• Step 4: 360° Rewards Program: Manhattan Credit Card, Platinum Rewards Card.

#2. Through IDBI Delight Website:

• Step 1: Visit the IDBI Delight website and select New User under My Account.
• Step 2: Provide the credit card number and the OTP sent to the registered mobile number.
• Step 3: Verify personal details, choose a User ID and Password to proceed.

Once the Delight Account is activated, users can redeem their points by following these steps:

• Step 1: Visit the Rewards catalogue of IDBI Bank.
• Step 2: Select the desired item and click on Redeem Now.
• Step 3: Add chosen items to the cart. Multiple items can be added.
• Step 4: Proceed to Checkout and log in to complete the transaction.

It’s important to note that customers must accumulate a minimum of 1000 points before they can redeem their reward points for the first time.

IDBI Bank Credit Card Eligibility Criteria

  To be eligible for an IDBI Bank credit card, applicants must meet certain criteria:

• Salaried individuals should be aged between 21 and 60 years, while self-employed individuals should be between 21 and 65 years.
• A stable source of income is required.
• Applicants are typically expected to have a decent credit history. For more detailed information on eligibility criteria, click [here](link).

A. Documents Required

 When applying for an IDBI Bank credit card, the following documents are typically required:

B. Identity Proof (Any one):

• Identity Proof:  Aadhar Card, PAN Card, Voter ID, Passport, Driving Licence, etc.
• Address Proof: Voter ID, Utility bills, Passport, Aadhar Card, Driving Licence, etc.
• Income Proof: For salaried employees – salary slip/bank statements (latest), For self-employed individuals – Latest ITR.

IDBI Bank Credit Card Annual Fees and Charges

When selecting a credit card, comparing various options based on several factors is essential, with the annual fee being one of the most crucial considerations. IDBI offers a range of credit cards with different annual fees to cater to diverse needs. 

Those with a higher annual income may benefit from high annual fee cards, while individuals with an average income might prefer more basic options. Below is the joining and annual membership fee structure for all IDBI Bank Credit Cards:

1. IDBI Bank Royale Signature Credit Card

Joining Fee:	Nil
Renewal Fee:	Nil

2. IDBI Bank Euphoria World Credit Card:

Joining Fee:	Nil
Renewal Fee:	Rs. 1,499

3. IDBI Bank Aspire Platinum Credit Card

Joining Fee:	Nil
Renewal Fees:	Nil

4. IDBI Bank Imperium Platinum Credit Card

Joining Fee:	Rs. 499
Renewal Fees:	Rs. 499

5. IDBI Bank Winnings Credit Card:

Joining Fee:	Nil
Renewal Fees:	Rs. 899

Other Fees & Charges

In addition to the joining and annual fees, IDBI Credit Cards have several other charges. It’s essential to review these fees carefully before applying:

• Interest Charges: 2.5% per month on Royale Signature Credit Card, 3.4% per month on Winnings Credit Card, and 2.9% per month on all other cards.
• Cash Advance Fee: 2.5% of the withdrawn amount or Rs. 500 (whichever is higher).
• Forex Markup Fee: 3.5% of the total transaction amount.

Understanding these fees will help you make an informed decision when choosing an IDBI Credit Card that best suits your financial situation and spending habits.

How to Apply for IDBI Bank Credit Cards?

Apply IDBI Credit Card Offline:

• Visit the nearest IDBI branch. Find the branch closest to you and go there in person.
• Fill out the offline application form. Complete the form with your personal and financial details.
• Submit all the required documents. Make sure to provide any documents the bank needs to process your application.
• The bank staff that will be present at that moment will guide you through the entire process. They will help you if you have any questions or need assistance.

Apply IDBI Credit Card Online:

• Go to the IDBI Bank’s official website. Open your web browser and enter the IDBI Bank website address.
• Click on the ‘Credit Cards’ option under ‘cards.’ Navigate to the section for Credit Cards to start your application.
• Choose the Credit Card you want. Look through the available Credit Cards and select the one that suits you best.
• Review its features, benefits, and terms & conditions. Read through the details to understand what the card offers and any rules. 
• Scroll down to find different ways to apply. Check for instructions on how to complete your application online. 
• Complete the online form to finish your application. Fill in the necessary information and submit your application electronically.

How To Activate IDBI Bank Credit Cards?

You can activate your IDBI Bank Credit Card PIN in multiple ways, including visiting an IDBI Bank ATM or contacting customer care.

Methods to Generate IDBI Credit Card PIN:

1. How to Generate Credit Card PIN at IDBI Bank ATM:

• Step 1 :  Insert your credit card and select the generate PIN option.
• Step 2 : Follow the prompts to receive an OTP on your mobile.
• Step 3 : Re-insert your card, validate the OTP, and set your new PIN.

2. Generating IDBI Credit Card PIN via Net Banking:

• Step 1 :  Log in to your net banking.
• Step 2 : Navigate to “Service Request” > “Credit Card” > “PIN Generation.”
• Step 3 : Enter and confirm your new PIN and OTP.

3. Via Mobile Banking:

• Step 1 : Contact customer care and follow phone instructions to generate your PIN.

4. How to Generate IDBI Bank Credit Card PIN via SMS:

• Step 1: Send “GREENPIN space last 6 digits of your credit card” to 9820346920 or 9821043718.
• Step 2: Receive OTP and follow instructions.

5. Via Missed Call:

• Step 1: Call 18008431144 and receive OTP.
• Step 2: Visit an IDBI Bank ATM to change PIN using OTP and request ID.

IDBI Bank Credit Cards Login/Net Banking

How to Register for IDBI Bank Credit Card Netbanking:

• Step 1: Visit IDBI Bank Website: Go to the official website of IDBI Bank and click on the “Login” option.
• Step 2: Choose Credit Card: From the dropdown menu, select “Credit Card” and click on the login button.
• Step 3: Continue to Login: After being redirected to the Terms and Conditions page, click on the “Continue to login” button.
• Step 4: Register Now: Choose the option “Register Now” to register for net banking for your credit card.
• Step 5: Enter Details: Fill in your IDBI credit card number, date of birth, user ID, email ID, phone number, and expiry date on the new page.
• Step 6: Confirmation: A confirmation message will be sent to your registered mobile number and email ID by the bank

How to Login To IDBI Credit Card Netbanking:

• Step 1: Visit Net Banking Page: Go to the IDBI Bank net banking page.
• Step 2: Enter Login Details: Enter your Login ID and password generated during net banking registration.
• Step 3: Login: Click on the login button after entering your password.
• Step 4: OTP Verification: You will receive a One Time Password on your registered mobile number or email ID.
• Step 5: Validation: Validate the details entered, and you will be redirected to the net banking homepage.

How To Compare IDBI Bank Credit Cards & Choose The Best One?

1. Credit Score: Your credit score plays a significant role in determining your eligibility for different credit cards. While some cards cater to individuals with excellent credit scores, others are designed for those who are still building their credit history. Understanding where you stand in terms of your credit score can help you narrow down your options and identify cards that align with your financial profile.

2. Fees: Credit card fees can vary widely, and it’s essential to consider how these fees will impact your overall cost of ownership. Some common fees to watch out for include annual fees, late payment fees, and foreign transaction fees. Additionally, be mindful of any introductory offers or promotional rates, as these may change once the introductory period ends.

3. Interest Rates: Interest rates are another critical factor to consider when evaluating IDBI credit card options. While some cards offer low introductory APRs, others may have higher ongoing interest rates. Understanding how interest rates affect your ability to pay off your balance and manage your debt is essential for making an informed decision.

4. Rewards and Benefits: Many IDBI credit cards offer rewards programs, cashback incentives, and other perks to cardholders. These rewards can range from travel miles and hotel stays to cashback on purchases and discounts at retailers. Evaluating the rewards and benefits offered by different credit cards can help you determine which card offers the most value for your spending habits and lifestyle.

By carefully considering these factors and comparing the features of different credit cards, you can select the best option that meets your financial needs and goals.

How to Check IDBI Bank Credit Cards Status

• By Phone: If you’ve already asked for an IDBI Credit Card, you can call the bank’s customer care to see how things are going. Just give them your application number and PAN number, and they’ll tell you what’s happening.
• At the Bank: You can also go to the IDBI branch near you. Give the bank workers your details, like your application number and PAN number, and they’ll check your application status for you.

Bill Payments of IDBI Bank Credit Cards

• Using Netbanking: If you want to pay your IDBI Credit Card bill online, you can move money from your Savings or Current Account to your Credit Card account. Make sure you sign up for net banking first to use this option.
• Using BillDesk
• Using NEFT/IMPS: You can also pay your IDBI Credit Card bill using NEFT or IMPS. You need to set up IDBI Bank as a beneficiary for this. Just use the right details to make the payment.

IDBI Bank Credit Card Customer Care

• Toll-Free Number: For any Credit Card queries, you can reach the 24×7 customer care at the toll-free number 1800-425-7600.
• Non-Toll-Free Number: If you prefer, you can also contact them at 022-4042-6013.
• Email Support: Alternatively, you can email your questions to [email protected] for assistance.

Conclusion

In conclusion, IDBI Bank Credit Cards offer a diverse range of options tailored to suit varying financial needs and lifestyles. With features such as competitive rewards programs, attractive welcome bonuses, and convenient digital banking services, IDBI Credit Cards provide cardholders with flexibility and value. 

Whether you’re a frequent traveler, a savvy shopper, or someone looking to build credit, IDBI Bank has a credit card solution to meet your requirements. By considering factors such as credit score, fees, and rewards, individuals can choose the IDBI Credit Card that best aligns with their financial goals and preferences.

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