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About IDBI Bank

IDBI Bank was founded in the year 1964 under the Industrial Development Bank of India Act. Today, they are a full-service organization providing you with a wide range of products for all your finance needs. From deposits, investment options, payment services and loans, customers get the advantage of timely financial solutions and the best customer care service.

In keeping with the changing banking technology, IDBI Bank has consistently upgraded their services to provide customers with the most innovative digital services. Along with ATMs and Branches across India and the easy-to-access digital options, IDBI Bank strives to enhance customer service and create longstanding relationships through 24x7 facilities for each customer.

IDBI Bank Credit Cards

With IDBI Bank, you have a wide range of credit cards that suit your precise requirements and lifestyle needs. These cards are accepted across the globe and equip customers with some of the best privileges and rewards for more value with each purchase. Safety is a priority with IDBI Bank Credit Cards which is why each card is PIN enabled and also comes with an EMV Chip. That way, customers can make use of all the facilities provided by the credit card without any worry or concern.

The cards are designed to give you delight points or reward points on each transaction. You have cards suited for shopping, travel, fuel needs and a lot more. To make credit card usage even more convenient, you can apply using multiple channels and even enjoy the best payment services. 

Types of IDBI Bank Credit Cards

To make sure that every customer has a card that is tailor made to suit his or her need, IDBI Bank includes several cards with unique features under its offerings. The credit cards that are currently available with IDBI Bank are as follows:

  • IDBI Bank Royale Signature Card
  • IDBI Bank Euphoria World Card
  • IDBI Bank Aspire Platinum Card
  • IDBI Bank Imperium Platinum Card
  • IDBI Bank Winnings Card

Features of IDBI Bank Credit Cards

Each credit card by IDBI Bank Credit Card comes with unique offerings and facilities. Here is an overview of the various features that have made IDBI Bank Credit Cards one of the top credit cards in the country:

  • Earn Reward Points on Each Purchase: With IDBI Bank, you get maximum value on every purchase and transaction made on each card. You can earn delight points based on the usage of your credit card each month and also get special milestone privileges. You can redeem these reward points on some of the best products offered by premium brands. There is also the option of earning cashback on the points that you have earned.
  • Global Acceptance: All IDBI Bank Credit Cards can be used for local and global transactions. These cards are accepted in more than 29 million outlets across the globe, including 9 lakh merchants in India alone.
  • Zero Liability on Lost Cards: Providing complete security for customers is a priority with IDBI Bank Credit Cards. Even in case of lost or stolen cards, you have zero liabilities as the card can be blocked immediately. All you have to do is call the customer care within 24 hours of losing the card.
  • Get Add on Family Cards: Your family members can also make use of the features and benefits of IDBI Bank Credit Cards. You can avail add-on cards for any family member who is able 18 years of age.
  • Added Privileges:These credit cards are loaded with privileges to enhance customer experience. Make the most of features like priority lounge access, both domestic and international, and complete fuel surcharge waiver on fuel purchases.
  • Insurance Options: You also have the advantage of air travel insurance with your IDBI Bank Credit Card. The limit provided depends upon the type of card that you have chosen.
  • Visa, MasterCard and Rupay Cards Available: The advantage of multiple payment methods is available with IDBI Bank Credit Cards. You can choose Visa, MasterCard or Rupay cards as per your preference. All the offers provided by these payment channels on shopping, travel, car rentals, airfares and more are extended to customers of IDBI Bank Credit Cards.
  • EMI Repayments: You can convert all the transactions above 3000 into EMIs to make the repayment more convenient and affordable.
  • Balance Transfer: Any existing credit card balance with any organization can be transferred on to your IDBI Bank Card. This gives you the advantage of EMI repayment options as well as lower rates of interest.

Benefits of IDBI Bank Credit Cards

Convenience and maximum value is ensured with any credit card under IDBI Bank. Here are some benefits that customers enjoy when they choose IDBI Bank Credit Cards:

  • Easy Application: If you are looking at availing credit card facilities offered by IDBI Bank, you can apply for one through multiple options. You can apply online on the official IDBI Bank. You can also call the credit card customer care service or visit any IDBI Bank Branch to submit your application.
  • Dedicated Customer Service: To answer all your queries and to address any grievances that you may have, there is a dedicated 24x7 customer care service available. You can call these toll free numbers at any time of the da for complete customers support.
  • Multiple Payment Options: You will never have to worry about missing a payment on your IDBI Bank Credit Card. You have auto debit options along with several online and offline channels to make it simpler for you to repay any outstanding on your credit card.
  • E-statement access: Customers will receive the e-statement each month on the registered mobile number. You can also access your e-statement through your IDBI Net banking or mobile banking account.
  • Complete Safety and Security: To secure all transactions, the cards are PIN enabled and come with an EMV Chip. You can also block your card instantly in case of any suspected fraud or theft of the card.
  • Cashback Options: Shop more and earn more with IDBI Bank delight point. These points can not only be redeemed against products of your choice but can also be availed as cash back on your card.
  • Welcome E-Kit: To help customers understand how to make use of their credit card and manage their credit card account without any hassles, a detailed Welcome E-kit is provided with every IDBI Credit Card. This also helps you get more value on your card by understanding how to utilize the reward points and privileges offered on the card.

Detailed Features of IDBI Bank Credit Cards

Here are the details of all the unique features that are offered by each IDBI Bank Credit Card:

Name of the CardFeatures and Benefits
IDBI Bank Royale Signature Card
  • Enjoy 48 days of interest free credit to manage payments easily.
  • Complete waiver of 1% fuel charges in all petrol pumps across India for transactions between 400 and 5000.
  • Get a maximum fuel surcharge waiver of 500 each month.
  • Air travel insurance is available with coverage of up to 25 Lakhs.
  • Get airport lounge access at select domestic airports.
  • The card is globally accepted at over 29 million outlets and in 9 Lakh outlets in India.
  • Report any lost card to the credit card customer care within 24 hours. Any transactions after reporting the card will be covered by IDBI Bank.
  • Get Add on cards for family members above 18 years of age. Delight points will be clubbed with primary card for added benefits.
  • Enjoy all offers extended by Visa on travel, shopping , accommodation and more.
  • Annual fees are waived off on transactions above 75000 in a year.
IDBI Bank Euphoria World Card
  • Enjoy interest free credit period of up to 48 days.
  • 1% fuel surcharge is waived off at all petrol pumps for transactions between 400 and 5000 made on your IDBI Credit Card.
  • You get insurance coverage of up to 25 Lakhs on Air Travel Accident.
  • Priority Airport Lounge Access is available in select domestic airports.
  • The card is accepted wat 9 lakh outlets in India and 29 million outlets across the globe.
  • Get add on cards for any family member above 18 years of age. The delight points earned are clubbed with the ones earned on the primary credit card.
  • Enjoy all the exclusive offers extended by MasterCard on travel, shopping and more.
  • Annual fees are waived off on transactions above 150000 in a year.
IDBI Bank Aspire Platinum Card
  • Get an interest free credit period of up to 48 days.
  • 1% fuel surcharge is waived off on transactions between 400 and 5000 at petrol pumps across India.
  • Enjoy international transactions at over 29 million outlets globally.
  • All charges on lost or stolen card which is reported with 24 hours are covered by IDBI Bank.
  • Get add on cards for family members above 18 years of age and club the delight points with the primary card.
  • Visa offers on shopping, travel, accommodation are extended to customers.
  • Annual fee is waived off on all transactions above 50000 in a year.
IDBI Bank Imperium Platinum Card
  • Get  credit limit of up to 85% of existing Fixed Deposits.
  • Cash withdrawal of up to 70% of the limit on your card is available.
  • Get an interest free period of up to 48 days on all purchases made.
  • You can pay the minimum amount due or the outstanding amount as per your convenience.
  • The card is accepted globally at 29 million outlets.
  • To block your lost card, you can call customer care services with 24 hours. Any transaction after reporting a lost card is covered by IDBI Bank.
  • You can get an add on card for all family members above 18 years of age.
  • Delight points that are earned on these add-on cards are clubbed with the points on the primary card.
  • Enjoy all offers provided by VISA including car rentals, hotel bookings etc.
  • Annual fee is waived of on minimum spendings of 75000 each year.
IDBI Bank Winnings Card
  • Get an interest free credit period of up to 48 days.
  • 1% fuel surcharge waiver is available on transactions between 400 and 5000.
  • Accidental Death Cover of 10 Lakhs available in case of death in an accident.
  • Personal accident cover of 10 Lakhs available in case of any permanent disability in an accident.
  • Personal accident coverage is available to individuals between 18 and 70 years of age.
  • Enjoy lounge access at select airport lounges in India and abroad.
  • Enjoy shopping and bookings with over 39.3 million merchants globally.
  • To report a lost card, you can call credit card customer care. Any transaction after reporting a card is covered by IDBI Bank.
  • Get add-on cards for family members above 18 years of age. Delight points on add-on card and primary card are clubbed for maximum benefits.
  • Annual fees are waived off on transactions above 90000 per year.

IDBI Bank Credit Card Rewards Details

Name of the CardFeatures and Benefits
IDBI Bank Royale Signature Card
  • For every 100 that you spend on your card, you can earn 3 Delight Pointws.
  • This includes transactions on shopping, dining, travelling and even movies.
  • As a welcome gift, you get an added 750 points in just 30 days of the first transaction.

You get 800 welcome Delight Points on using the card within 31 to 90 days from the time the card is issued. The minimum transaction required to avail this facility is 1500.

IDBI Bank Euphoria World Card
  • Get 4000 Welcome Delight Points for spending 1500 on your card within 60 days of the date of issue.
  • For every 100 that you spend on airlines, hotels, IRCTC bookings other travel related expenses, get 6 Delight Points.
  • These points can be redeemed against souvenirs and gifts or as cash back.
IDBI Bank Aspire Platinum Card
  • For every 150 that you spend on your card on dining, shopping, travelling and movies, get 2 Delight points.
  • As a welcome gift, get 500 delight points within 30 days for using the card for the first time. You can earn 300 points on using the card with 31 to 90 days of the card being issued.
  • To avail welcome benefits, the minimum transaction required is 1500.
IDBI Bank Imperium Platinum Card
  • For every 150 that you spend on dining, shopping, travel etc. earn 2 Delight Points.
  • You get a welcome bonus of 500 Delight Points on spending 1500 within 30 days of the card being issued or earn 300 Delight points on 1500 spent on the card within 30 to 90 days of the card being issued.
IDBI Bank Winnings Card
  • For every 100 that you spend on your card, get 2 Delight Points.
  • You get a welcome cash back of 10% of transactions equal to or above 500 made within 90 days of the card being issued.
  • You also get 500 delight points on making a minimum of 5 transactions worth 500 each month.

IDBI Bank Credit Card Fees Details

Name of the CardJoining FeesAnnual FeesRenewal FeesAdd-on Card Fees
IDBI Bank Royale Signature CardNIL1499NILNIL

IDBI Bank Euphoria World Card

 

14991499NILNIL
IDBI Bank Aspire Platinum CardNIL499NILNIL
IDBI Bank Imperium Platinum Card499499NILNIL
IDBI Bank Winnings Card899899NILNIL

IDBI Bank Credit Card Charges Details

Type of ChargesAspireImperium PlatinumRoyaleEuphoriaWinnings
Cash Advance Fee2.5% of the amount of 300, whichever amount is higher
Interest on Revolving Credit2.9% p.m2.9% p.m2.5% p.m2.9% p.m3.4% p.m
Interest on Cash Advance2.9% p.m2.9% p.m2.5% p.m2.9% p.m3.4% p.m
Late Payment Charges
  • Less than 100- Nil
  • 101-500- 100
  • 501- 5000- 400
  • 50001 to 20000- 500
  • Above 20000- 750
Over limit Fee2.5% of the amount over limit, with a minimum fee of 500
Cheque Return Fee225
Auto Debit Return Fee225
Outstation Cheque Fee
  • For amount up to 5000- 25
  • For amount above 5000- 50
Duplicate Statement Request100
Card Replacement Fee200
Charge book or charge slip request100
Foreign Currency Conversion Fee3.5% Mark Up
EMI ChargesInterest Rate- 13% per annum
Balance Transfer Charges1.5% of Balance transfer amount, subject to a minimum of 99
Card Account Foreclosure FeesNIL

How to Apply For IDBI Bank Credit Cards

There are various channels and sources available for you to get the IDBI Bank Credit Card of your choice. Some of the best and most convenient options available are:

Steps to Apply Thorough Bank Website

  • Open the official IDBI Bank Website
  • Under Credit Cards, choose the card of your choice and click on the Apply Now option.
  • Click on Help Us Contact You and fill in necessary details in the online form.
  • A representative from IDBI Bank will get in touch with you once the application has been received.
  • Provide the necessary documents.
  • The card will be processed as per the application and the credit card will be issued within 7 days of the application being approved.
  • You can also call the 24X7 customer care service to request for an application for the card of your choice.

Steps to Apply Through My Money Mantra

  • MMM provides you with an easy option to apply for any credit card of your choice.
  • Log on to the official website and register to create login credentials.
  • Log into your account and choose the ?Credit Card? Option.
  • Choose the card of your choice and fill up the application form.
  • Once the form has been submitted, you will be contacted by an MMM representative for formalities like documentation.
  • After the application form is filled and submitted with the documents, the card will be issued with 7 days of approval.

Steps to Apply Offline

  • You can also apply for the credit card of your choice at any IDBI Bank Branch.
  • Download the application form on the IDBI Bank Website.
  • Fill the form and submit it along with the necessary documents to initiate the assessment.
  • Once the card has been assessed and approved, you will receive it via post or courier in 7 days.

Eligibility Criteria for IDBI Bank Credit Cards

The eligibility criteria in order to apply for an IDBI Bank Credit Card are as follows:

Name of the CardEligibility Criteria
IDBI Bank Royale Signature Card
  • The primary card holder should be between 21- 60 years of age.
  • The applicant must be a resident of India.
IDBI Bank Euphoria World Card
IDBI Bank Aspire Platinum Card
IDBI Bank Winnings RuPay Select Card
IDBI Bank Imperial Platinum Card
  • The primary card holder should be above 18 years of age.
  • A minimum Fixed deposit of 20000 or FCNR equivalent to the amount should be available.
  • Fixed deposits help by Minors, HUF, Trusts, Clubs, Societies, Partnerships, Public and Private Ltd companies, third party FDs, Tax Savings FDs, Sweep Out FDs and FDs combined with FCNR and INR are not eligible for this credit card.
  • The mode of operation should be Singly, Anyone, Either, Former or Survivor and not joint.

Documents Required For IDBI Bank Credit Cards

The documents required for these credit cards are as follows:

  • ID Proof- Voters ID/ Drivers License/ Pan Card/ Adhaar Card
  • Address Proof- Utility Bill/ Voters ID/ Passport/ Adhaar Card
  • Income Proof: Last 3 months Salary Slip/ Form 16/ Latest IT return/ Last 3 months Bank Statements.
  • For an Imperium Platinum Card, you are required to provide a Confirmation of Deposits additionally.

Making your IDBI Bank Credit Card Payment

To make repayment more convenient, there are multiple payment options available for your IDBI Bank Credit Card:

  • Auto Debit Facility: You can authorize IDBI Bank to debit the payment automatically from any IDBI Bank current or savings bank account that you hold.
  • Net Banking: Log in to your net banking account to make payments towards the outstanding amount on your credit card.
  • NEFT: Any charges due on your IDBI Bank card can be paid through any bank account that provides NEFT Facilities. The IDBI Bank credit card number is to be used as the beneficiary account number.
  • Cheque or DD: You can drop a cheque or demand draft at the drop boxes in IDBI Bank ATMs and Branches.
  • Visit any branch of IDBI Bank to make a direct cash payment towards your outstanding credit card amount.
  • Visa Money Transfer: You can use this facility to make payments through any other bank account.
  • iPay: This helps you make payments towards your IDBI Bank credit card through any other account.

IDBI Bank Credit Card Customer Care Numbers

For any queries, disputes or grievances related to the bill or credit card, you can call the 24 hour customer care service on:

  • Toll free number: 18004257600
  • Non-Toll Free Number- 022-40426013.

You can also send in your queries via email to idbicards@idbi.co.in

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IDBI Bank Credit Card FAQs

✅ How Can I Apply For an IDBI Bank Credit Card?

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In order to apply for an IDBI Bank Credit Card, you can fill up an application form online and submit it. You also have the option of calling customer care or visiting the nearest IDBI bank branch to initiate the application for your credit card.

✅How long does it take for the card to be issued?

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After the documentation has been completed and the application has been approved, it will take 7 business days for you to receive your credit card. Your card will be sent to you via speed post or courier.

✅ How can I activate my IDBI Bank Credit Card?

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If the card is sent to the customer via Blue Dart and comes with an EMV chip, it can be used immediately. However, cards sent on speed post are not activated. In order to activate your card, all you have to do is call the customer care numbers mentioned above.

✅Can I increase my credit card limit?

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The limit provided to customers on the credit card depends upon the repayments made on the card and the usage. When you are eligible for an enhancement, you will be notified via SMS or email. Then, you can respond to this email or contact customer care to enhance your card limit.

Customers can also provide a written request for enhancement of credit limit at any IDBI Bank branch. This must be provided along with your current income proof. You can request for an enhancement only after 6 months of regular payments made towards your IDBI Bank Credit Card.

✅ How to activate the card for international transactions?

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In order to activate your IDBI Bank Credit Card for international transactions, contact the customer care service. Make sure that you read about the fees and charges on the MITC provided on the official IDBI Bank website before you use your card internationally.

✅What happens if I exceed the credit card limit available?

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It is the prerogative of the bank to decide if the transaction above the limit must be approved or not. In case the transaction is approved, an over-limit fee of 2.5% of the value above the limit will be charged. This is subject to a minimum fee of 500/  

✅How to I avail my statement?

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Every month, an e-statement will be issued to the customer to the email ID that is registered. You can also choose to get a hard copy of the statement delivered to the address provided. Contact customer care in order to register for an e-statement.

✅How do I redeem my Delight Points?

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The Delight points that you have collected on your IDBI Bank card are valid for a period of 3 years from the date of issue of the points. To redeem your delight points, call the customer care service or log on to your IDBI Credit Card Net Banking account. You can get lifestyle products and cashback on your reward points. For every Delight Point that you have earned, you get cash back worth 0.25paisa. For cash back redemption, you need a minimum of 1000 reward points.