The full form of IDBI Industrial Development Bank of India. It is one of the largest commercial banks and offers banking and financial services to their customers. IDBI was established in 1964 by act of parliament and its headquarters is in Mumbai. It is one of 27 commercial banks owned by the government of India.
IDBI Bank Imperium Platinum Credit Card is a global card that is accepted by more than 9 Lakh merchants in India and by more than 29 Lakh stores outside the country. To apply for an IDBI Bank Imperium Platinum Credit Card, you can either contact the bank’s customer care number or leave your contact details on the website. You can also choose to visit any branch of the bank and apply for the card in person.
1. 85% of Fixed Deposit as credit limit.
2. 2 Delight Points per Rs.150 spent on movies, shopping, travel, etc.
3. 500 Delight Points as a welcome gift.
4. Exclusive offers from Visa.
5 On every Rs.150 that you spend using this card on movies, shopping, travel, etc., you will receive 2 Delight Points.
6. With this card, people can avail add-on cards for their family members.
7. IDBI Bank Imperium Platinum Credit Card is a global card that is accepted by more than 9 Lakh merchants in India and by more than 29 Lakh stores outside the country.
8. This card offers an interest free credit period of up to 48 days on transactions.
9. Cardholders can redeem their Delight Points to avail amazing offers from popular brands.
10. Cardholders will get a digital welcome kit from the bank.
|
Reward type |
Movies, shopping and travel |
|
Welcome Benefits |
Earn 500 Delight Points when you spend at least Rs.1,500 in one transaction using your IDBI Bank Imperium Platinum Credit Card within the first 30 days or get 300 points between 30 and 90 days of receiving the card. |
|
Reward points |
On every Rs.150 that you spend using this card on movies, shopping, travel, etc., you will receive 2 Delight Points. |
|
Credit Limit |
Up to 85% of the Fixed Deposit amount. |
|
Cash Withdrawal Limit |
Up to 70% of the credit limit as cash withdrawal limit. |
|
VISA Benefits |
Cardholders can enjoy exclusive offers on hotels, airport shopping, car rentals, etc., when they use this card to make transactions. They can also enjoy the travel concierge services offered by Visa. |
To apply for an imperium platinum card, you have to pay fees and charges applied by the IDBI Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from IDBI Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
|
Fee for joining |
Rs.499 |
|
Annual fee for the add-on card |
No charge |
|
Fee for card renewal |
No charge |
|
Renewal fee for the add-on card |
No charge |
|
Interest charged on cash advance |
2.90% per month |
|
Interest charged on revolving credit facility |
2.90% per month |
|
Annual fee for the main card (this fee has to be paid from the 2nd year) |
Rs.499 |
|
Overlimit charge |
2.5% of the overlimit amount (Minimum – Rs.500) |
|
Fee for cash advance |
2.5% of the transaction fee (Minimum – Rs.300) |
|
Fee for Auto Debit Return |
Rs.225 |
|
Fee for late payment |
If the amount is below Rs.100, then no charge. If the amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If the amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If the amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If the amount is Rs.20,001 and above, then Rs.700 will be charged. |
|
Processing fee for outstation cheque |
If the value of cheque is up to Rs.5,000, then Rs.25 will be charged. If the value of cheque is more than Rs.5,000, then Rs.50 will be charged. |
|
Limit enhancement |
Rs.100 |
|
Card replacement fee |
Rs.200 |
|
Cash processing fee |
Rs.100 |
|
Cheque Return fee |
Rs.225 |
|
Transactions made in Foreign Currency |
Mark-up – 3.5% of the transaction amount |
|
Fee for Charge slip or Charge back |
Rs.125 |
|
Fee for Reward Redemption |
Rs.99 |
|
Fee for Balance Transfer |
Processing charge – 1.5% of the transferred amount (Minimum – Rs.199) For EMI – Normal interest rate will apply |
|
Fee for duplicate statement |
Rs.100 |
|
Charge for Account Closure |
Rs.999 (will be charged only if the account is closed within a year of opening) |
Before applying for an imperium platinum card from IDBI Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
1. The minimum age requirement for IDBI Bank Imperium Platinum Credit Card is 18 years.
2. The minimum Fixed Deposit amount eligible for this card is Rs.20,000 or an equivalent FCNR deposit.
3. Fixed Deposits that are held by minors, HUF, NGOs, Trusts, Clubs, Societies, Private and Public Ltd. companies, and Partnerships are not eligible for this card.
4. Fixed Deposits with sweep-out service, Third Party Fixed Deposit(s), Tax Savings FDs and Fixed Deposits in combination of FCNR and INR are not eligible for this card.
5. This card can be applied for by an individual applicant or the nominees.
Any applicant who is applying for an imperium platinum credit card from IDBI Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card. There are certain criteria that the financial institution looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
IDBI Bank Credit Card Login
Cardholders of RBL Bank Credit Card can log in to their credit card account through following steps :
1. Go to IDBI Net banking portal
2. On the next webpage, you enter the User ID, password, and select the Start page.
3. Click on ‘Login’.
4 The next web-page will have all the rules and regulations and the terms and conditions. Click on ‘Agree’ After you have read all the details.
5. The next web-page will be the main page of your net banking portal.
4. IDBI Bank Loan Against Property
IDBI Bank Imperium Platinum Card Customer Care
Contact number : 18002094324 / 18004257600
Email Id : customercare@idbi.co.in
There are two reason to apply for IDBI Bank Imperium Platinum Card :
1. Offline Method : By visiting the nearest branch of RBL Bank
2. Online Method : For New Customers
You can visit the ‘Imperium Platinum Credit Cards’ page of the IDBI Bank official website.
Enter your personal and contact details.
After the verification, a representative from the bank will get in touch with and ask to guide you through the process.
You may have to submit KYC documents and income proof to get an IDBI Bank credit card.
Online Method : For Existing Customers
Visit the ‘Imperium Platinum Credit Cards’ page of the IDBI Bank official website
You will have to enter your net banking customer id and mobile number.
You can directly apply online for a credit card.
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. To pay your credit card bills through net banking, you will need to register your credit card before making any payments. Without registering the credit card, the bill amount cannot be paid.
1. Log in to your IDBI Bank account or your savings bank net banking account.
2. If you hold an IDBI Bank account, you will have to select the 'credit card' tab and click on your registered credit card.
3. Add the bill amount and click on the 'pay' option.
4. If you do not hold an IDBI Bank account, log in to your savings bank net banking account and click on the credit card tab.
5. Select the 'payment' option.
6. Add the bill amount and click on 'pay'.
Bank offered Financials products
IDBI Bank Imperium Platinum Credit Card is a global card that is accepted by more than 9 Lakh merchants in India and by more than 29 Lakh stores outside the country.
You can contact through customer care toll free number and also through e-mail id for an IDBI Bank Imperium Platinum Card.
The rewards points given in the Imperium Platinum Card from IDBI Bank is :
On every Rs.150 that you spend using this card on movies, shopping, travel, etc., you will receive 2 Delight Points.
You can apply for a IDBI Bank Imperium Platinum Card through online and offline by visiting the nearest bank branch.
Movies, shopping and travel rewards are included in the IDBI Bank Imperium Platinum card.
The minimum age requirement for IDBI Bank Imperium Platinum Credit Card is 18 years.
The interest rate is 2.90% per month provided by IDBI Bank Imperium Platinum Cards.
No joining perks are applied in IDBI Bank Imperium Platinum Card.
The annual fee of the IDBI Bank Imperium Platinum Card is NIL.
Last Updated on : 28/Sep/2020Know More About CREDIT CARDS
You're eligible for a Idbi Bank Imperium Platinum if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account