In 2014, IDBI Bank entered the credit card market by introducing a range of cards, each with its own set of perks. In 2024, the bank saw a significant increase in the number of people using their credit cards, surpassing 35,000 active users. This growth reflects IDBI’s commitment to providing unique financial solutions to meet the diverse needs of its customers.
IDBI’s credit card offerings cater to various preferences, whether it’s travel benefits, cashback rewards, or other incentives that customers seek. With a wide array of options, IDBI ensures that every cardholder can find a suitable fit for their spending habits. This customer-centric approach has been integral to IDBI’s success in expanding and retaining a growing base of cardholders as a trusted provider of financial services.
Table of Contents
List of Top 5 IDBI Bank Credit Cards
1. IDBI Bank Imperium Platinum Credit Card
The Visa-powered IDBI Bank Imperium Platinum credit card is one of the secured credit cards that IDBI Bank offers. With the IDBI Bank Imperium Platinum credit card, you can earn 500 Delight points as a sign-up bonus for every Rs. 1500 you spend within 30 days of the card’s issuance and another 300 points for purchases made between 31 and 90 days after that. Additionally, whether you use your IDBI Bank Imperium Platinum credit card for shopping, travel, or cinema tickets, you can earn up to 2 Delight points for every Rs 150 spent.
IDBI Bank Imperium Platinum Credit Card
Joining Fee:
₹ 499 + GST
Best Suited For
Shopping
Renewal Fee:
₹ 499 + GST
Reward Type:
Reward Points
Welcome Benefits:
500 Welcome bonus on spending Rs. 1,500 within 30 days of card issuance and 300 Delight points on spending between 31 to 90 days.
Key Features
- You get 2 delight points on every Rs 150 spent on shopping, movies, and traveling using your IDBI Bank Imperium Platinum credit card.
- 1 Reward point is equivalent to Rs 0.25. The reward points accumulated can be redeemed on the IDBI Delight reward portal or at Max Get More merchant outlets. A fee of Rs 100 per request is charged on reward redemption.
- You get up to 500 bonus Delight points on transactions of Rs 1500 within 30 days of card issuance and up to 300 bonus Delight points on minimum transactions of Rs 1,500 within 31 to 90 days of card issuance.
*Terms and Conditions apply.
2. IDBI Winnings RuPay Select Credit Card
The IDBI Bank offers an entry-level credit card called the IDBI Bank Winnings RuPay Select Credit Card. You can earn 500 enjoyment points or more in a month, and there is no membership charge. It’s an entry-level card with insurance and travel advantages. With the IDBI Winnings RuPay Credit Card, you may also enjoy eight complimentary domestic lounge visits and four complimentary foreign lounge visits annually. You have the opportunity to accrue double points on all purchases made with this card throughout your birthday month.
IDBI Winnings RuPay Select Credit Card
Joining Fee:
NIL
Best Suited For
Shopping
Renewal Fee:
₹ 899 (second year onwards)
Reward Type:
Reward Points
Welcome Benefits:
Get 10% cashback up to Rs. 500 on all transactions done within 90 days of receiving the card.
Key Features
- On IDBI Bank Winnings RuPay Select Credit Card, you get 10% cashback up to Rs. 500 on all transactions done within 90 days of the card issuance as a welcome benefit.
- You can easily make UPI spends with the IDBI Bank Winnings RuPay Select Credit. Link your RuPay Credit Card with the UPI app of your choice and start making payments with a click of a button.
- The IDBI Bank covers accidental death insurance up to Rs. 10,00,000 on IDBI Bank Winnings RuPay Select Credit Card.
- The IDBI Bank Winnings RuPay Select Credit Card covers zero liability protection in case of an unfortunate event of card loss/theft.
*Terms and Conditions apply.
3. IDBI Euphoria World Credit Card
The IDBI Bank introduced the IDBI Aspire Platinum Bank credit card, which offers you special lifestyle perks and advantages on your purchases. For every Rs 150 spent on dining, travel, and shopping, you receive two Delight points. Furthermore, after spending Rs. 1500 or more during the first 30 days of the card’s issuance, you’ll receive 500 points. In addition, you receive 300 points when you spend Rs. 1500 or more within 31 to 90 days after the card’s issuance. Credit cards can come with extra perks, including EMI options, zero protection liability, and a waiver of gasoline surcharges.
Joining Fee:
Nil
Best Suited For
Travel
Renewal Fee:
₹ 1,499 + GST
Reward Type:
Reward Points
Welcome Benefits:
4,000 delight points.
Key Features
- You get 3 Delight Points every time you spend Rs. 100.
- You get 4,000 Delight Points as a welcome gift on making your first transaction worth Rs. 1,500 or more within the first 60 days after the card set-up date.
- The Delight Points you earn can be redeemed by logging in to the IDBI Delight
- You get complimentary domestic lounge access at selected airport lounges in India.
- You get insurance coverage worth Rs. 25 lakhs against an air accident.
- You get a 1% fuel surcharge waiver at all fuel stations for transactions between Rs. 500 and Rs. 4,000.
*Terms and Conditions apply.
4. IDBI Bank Royale Signature Credit Card
The IDBI Royale Signature Credit Card caters to shoppers who seek luxury and rewards without any fee burden. This card offers delight points for initial transactions, making it a valuable addition for those who frequently shop. With no joining or renewal fee, it’s an attractive option for budget-conscious individuals looking for premium benefits.
Joining Fee:
Nil
Best Suited For
Shopping
Renewal Fee:
Nil
Reward Type:
Reward Points
Welcome Benefits:
750 Delight Points if the first transaction of a minimum of Rs. 1,500 is made within 30 days of card issuance, or 400 Delight Points if the first transaction of a minimum of Rs. 1,500 is made between 31 and 90 days of card issuance.
Key Features
- You earn 3 Delight Points for every Rs. 100 spent using the card.
- The Delight Points earned can be redeemed on the IDBI Delights portal for hotel reservations, air ticket bookings, bus tickets, movie tickets, merchandise, gift cards, mobile recharges on the IDBI Delights portal.
- Domestic airport lounge access under the Visa Domestic Lounge Program.
- You get 1 complimentary lounge access at domestic airports across India under the Visa Domestic Lounge program.
- The card gives you a complimentary air accident cover worth Rs. 25 lakh.
*Terms and Conditions apply.
5. IDBI Aspire Platinum Credit Card
The IDBI Bank introduced the IDBI Aspire Platinum Bank credit card, which offers you special lifestyle perks and advantages on your purchases. For every Rs 150 spent on dining, travel, and shopping, you receive two Delight points. Furthermore, after spending Rs. 1500 or more during the first 30 days of the card’s issuance, you’ll receive 500 joy points. In addition, you receive 300 joy points when you spend Rs 1500 or more within 31 to 90 days after the card’s issuance. Credit cards can come with extra perks, including EMI options, zero protection liability, and a waiver of gasoline surcharges.
IDBI Aspire Platinum Credit Card
Joining Fee:
Nil
Best Suited For
Travel
Renewal Fee:
Nil
Reward Type:
Reward Points
Welcome Benefits:
500 delight points on spending Rs. 1,500 or above in the first 30 days of issuance of the card and 300 delight points on spending Rs. 1,500 or above in 31 to 90 days of issuance of the card.
Key Features
- You get a 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000. You get a maximum surcharge waiver of Rs 300 per statement cycle.
- As a welcome benefit, you get 500 Delight points on using your credit card for transactions worth Rs 1500 or above within 30 days of issuance of the card.
- Get access to an instant loan from your IDBI Aspire Platinum Bank credit card by converting it into an EMI.
*Terms and Conditions apply.
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.
1. 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
2. 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
3. IDBI Bank Aspire Platinum Credit Card
- 2 Reward Points for every Rs. 100 spent on retail transactions.
4. IDBI Bank Imperium Platinum Credit Card:
- 2 Delight Points for every Rs. 150 spent on shopping, dining, and travel.
5. 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:
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.
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).
Documents Required
When applying for an IDBI Bank credit card, the following documents are typically required:
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 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:
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.
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.
Via Mobile Banking:
- Step 1 : Contact customer care and follow phone instructions to generate your PIN.
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.
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.
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.
FAQs
Q1. How do I apply for an IDBI Bank Credit Card?
A1. To apply for an IDBI Bank Credit Card, you can visit the official website of IDBI Bank or visit a nearby branch. You can also apply online through the bank’s website by filling out the application form and providing the required documents.
Q2. What are the eligibility criteria for obtaining an IDBI Bank Credit Card?
A2. The eligibility criteria for IDBI Bank Credit Cards typically include factors such as age, income, and credit history. Generally, individuals should be within a certain age range and have a stable source of income. A good credit history may also be required for some cards.
Q3. How can I manage my IDBI Bank Credit Card account online?
A3. You can manage your IDBI Bank Credit Card account online through the bank’s net banking portal. Simply log in to your net banking account using your credentials, and you’ll be able to view your card statement, make payments, redeem rewards, and perform other account-related tasks conveniently from your computer or mobile device.