Below are the five IDBI Bank Credit Card variants:
|Card Name||Annual Fee||Best For|
|IDBI Bank Royale Signature Card||Nil||Rewards|
|IDBI Bank Euphoria World Card||Rs. 1,499 (from 2nd year onwards)||Travel|
|IDBI Bank Aspire Platinum Card||Nil||Travel & Lifestyle|
|IDBI Bank Imperium Platinum Card||Rs. 499||Rewards|
|IDBI Bank Winnings Card||Rs. 899 (from 2nd year onwards)||Lounge Access & Rewards|
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:
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:
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:
Here are the details of all the unique features that are offered by each IDBI Bank credit card:
IDBI Bank Royale Signature Card Features
IDBI Bank Euphoria World Card Features
|Card Name||Reward Details|
|IDBI Bank Royale Signature Card|
|IDBI Bank Euphoria World Card|
|IDBI Bank Aspire Platinum Card|
|IDBI Bank Imperium Platinum Card|
|IDBI Bank Winnings Card|
|Name of the Card||Joining Fees||Annual Fees||Add-on Card Fees|
|IDBI Bank Royale Signature Card||NIL||NIL||NIL|
IDBI Bank Euphoria World Card
|NIL||Rs. 1,499; Waived on annual spends of above Rs. 1,50,000||NIL|
|IDBI Bank Aspire Platinum Card||NIL||NIL||NIL|
|IDBI Bank Imperium Platinum Card||Rs. 499||Rs. 499;||NIL|
|IDBI Bank Winnings Card||NIL||Rs. 899; Waived on annual spends of above Rs. 90,000||NIL|
|Type of Charges||Aspire||Imperium Platinum||Royale||Euphoria||Winnings|
|Cash advance fee||2.5% of the transaction amount or Rs. 500, whichever higher|
|Interest on revolving credit/ Interest on cash advance||2.9% p.m||2.9% p.m||2.5% p.m||2.9% p.m||3.4% p.m|
|Late payment charges|
|Over limit charges||2.5% of the amount over limit, with a minimum fee of Rs. 500|
|Cheque/ Auto debit return fee||Rs. 500|
|Duplicate statement request||Rs. 100 (more than 3 months old)|
|Card replacement fee||Rs. 200|
|Cash processing chrges||Rs. 200|
|Foreign currency conversion fee||3.5% Mark Up|
|EMI charges||13% per annum|
|Balance Transfer Charges||1.5% of balance transfer amount or Rs. 99, whichever is higher|
|Card account foreclosure fee||NIL|
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:
The eligibility criteria in order to apply for an IDBI Bank Credit Card are as follows:
The above eligibility criteria are only indicative. The IDBI Bank reserves the right to approve or decline applications for Credit Card.
The documents required for these credit cards are as follows:
To make repayment more convenient, there are multiple payment options available for your IDBI Bank Credit Card:
For any queries, disputes or grievances related to the bill or credit card, you can call the 24 hour customer care service on:
You can also send in your queries via email to email@example.com
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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.
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.
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.
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.
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.
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/
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.
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.