IDBI BANK CREDIT CARDS

IDBI Bank is one of the top Commercial Banks in India for the past 50 years. It provides credit cards that suits you preferences, lifestyle & are accepted Globally.

IDBI Bank offers a wide variety of credit cards that provides benefits in form of cashback, reward points, welcome bonus across categories like shopping, fuel, travel, shopping, etc.

We have the list of top 5 IDBI Bank Credit Cards to help you compare among the cards and choose the right card for you.

Top IDBI Bank Credit Cards in India 2021

Card Variant Annual Fee
Royale Signature Card Rs. 1499
Euphoria World Card Rs. 1499
Aspire Platinum Card Rs. 0
Imperium Platinum Card Rs. 499
Winnings RuPay Card Rs. 899

Why Choose an IDBI Bank Credit Card?

The IDBI Bank Credit Cards provides offers and benefits that are designed to fulfill their customer satisfaction and make them happy. The cards provide enhanced security as the cards issued have EMV Chip and PIN that provides security from any types of fraud and let the customer use it without any hesitation.

You can also earn delight points on all your spends using IDBI Credit Cards which can be redeemed as cash back into your credit card account.

Some more features of IDBI Bank Credit Cards:

  • Rewards Program :IDBI Credit Cards let you be a part of their Rewards Program in which you can earn attractive reward points on all your spendings.
  • EMI option: IDBI Credit Cards lets you pay the outstanding amount on your bills in easy monthly installments of 3, 6, 9, and 12 months according to your convenience.
  • Interest-free credit period: IDBI Credit Cards give upto 48 days free of credit on your purchases.
  • Supplementary cards: IDBI Credit Cards give add on cards for you family as well & allow them to use all the benefits of IDBI Credit Cards as well.
  • No lost card liability: IDBI Credit Cards provide the facility of on spot blocking of your credit card in situations of theft or loss.

IDBI Bank Credit Card Feature & Benefits

1. IDBI Royale Signature Credit Card

IDBI Royale Signature CardKey Highlights: With Royale Signature Credit Card, you can enjoy all the luxuries that match your lifestyle. It is globally acceptable, bringing undisturbed and best services. It comes with enhanced security like EMV Chip and PIN providing you a tension free experience.
Joining Fees Rs. 0
Renewal Fees Rs. 1,499
Joining Bonus
  • Earn 750 reward points if you use the card within 30 days of issuance.(Minimum Transaction Value is Rs. 1500)
  • A Credit Card welcome E-Gift is provided to IDBI Royale Signature Credit Card holders
Features & Benefits
  • Earn 3 Rewards Points for every Rs. 100 spent.
  • Enjoy access into selected airport lounges, an offer by VISA.
  • Get a 2.5% fuel surcharge waiver on fuel transaction of Rs.400 to Rs.5,000.
  • Get a free insurance cover of Rs. 25 Lakhs against air travel accidents.

2. IDBI Euphoria World Credit Card

IDBI Euphoria World Credit CardKey Highlights: Euphoria World Credit Card provides you the most amazing, secured and convenient travel experience. It provides a large variety of offers and rewards, benefitting the customer.
Joining Fees Rs. 0
Renewal Fees Rs. 1,499
Joining Bonus
  • Earn 4,000 reward points if you use the card within 60 days of issuance.(Minimum Transaction Value is Rs. 1500)
Features & Benefits
  • Earn 6 Rewards Points for every Rs. 100 spent on travel related expense.
  • Earn 2,000 Reward Points every year during the time of paying your annual fees.
  • Get a 2.5% fuel surcharge waiver on fuel transaction of Rs.400 to Rs.5,000
  • Get a free insurance cover of Rs. 25 Lakhs against air travel accidents.

3. IDBI Aspire Platinum Credit Card

IDBI Aspire Platinum Card
image description

Key Highlights: IDBI Aspire Platinum Credit Card is meant for those who aspire for more offers and convenience in their lives.

Joining Fees Rs. 0
Renewal Fees Rs. 0
Joining Bonus
  • Earn 500 reward points if you use the card within 30 days of issuance.(Minimum Transaction Value is Rs. 1500)
  • Earn 300 reward points on first card swipe between 30-90 days of issuance.(Minimum Transaction Value is Rs. 1500)
Features & Benefits
  • Earn 2 Rewards Points for every Rs. 100 spent.
  • Credit Period upto 48 Days on your purchases..
  • Get a 2.5% fuel surcharge waiver on fuel transaction of Rs.400 to Rs.4,000.(Upto Rs. 300)
  • Accepted Globally.

4. IDBI Imperium Platinum Credit Card

IDBI Imperium Platinum CardKey Highlights: Imperium Platinum is an unique secured Credit Card on the VISA Platform.
Joining Fees Rs. 499
Renewal Fees Rs. 499
Joining Bonus
  • Earn 500 reward points if you use the card within 30 days of issuance.(Minimum Transaction Value is Rs. 1500)
  • Earn 300 reward points on first card swipe between 30-90 days of issuance.(Minimum Transaction Value is Rs. 1500)
Features & Benefits
  • Earn 2 Rewards Points for every Rs. 150 spent on expenses over movies, shopping, travel etc.
  • Get Credit Limit upto 85% of the Fixed Deposit Account.
  • Get 70% as the credit limit for cash withdrawal limit.
  • Enjoy exclusive offers on hotels, airports, shopping, etc by using this card offered by VISA.

5. IDBI Winnings Credit Card

IDBI Winnings CardKey Highlights: With ‘Winning’ Credit Card, always enjoy an extra convenience, security & safety wherever you go.
Joining Fees Rs. 0
Renewal Fees Rs. 899
Joining Bonus
  • Get 10% Cashback on all transactions with a minimum value of Rs. 500, done within 90 days of the card receipt.
Features & Benefits
  • Earn 2 Rewards Points for every Rs. 100 spent.
  • Credit Period upto 48 Days on your purchases..
  • Get a 1% fuel surcharge waiver on fuel transaction of Rs.400 to Rs.5,000.
  • Get a cover of Rs. 10 Lakhs against permanent disability or loss of life due to accident.

Eligibility to Apply for IDBI Bank Credit Card

CRITERIA DETAILS
Minimum Age 21 Years
Maximum Age 60 Years(65 Years if Self-Employed)
Minimum Age of Add-on Card Holder 18 Years
Nationality Indian

Document Required to Get IDBI Credit Cards

ID Proof
  • Passport
  • Driver’s License
  • PAN Card
  • Aadhar Card
  • Voter’s ID
Residential Proof
  • Passport
  • Driver’s License
  • PAN Card
  • Aadhar Card
  • Voter’s ID
Income Proof
  • Last 3 months salary slips.
  • Last 3 months bank statement.
  • Latest ITR(Self-Employed)
  • FORM 16

How to Apply for IDBI Bank Credit Card?

You can apply for the IDBI Credit Card directly by visiting the IDBI Bank Website or you can also apply for the credit card on Bank Sathi to enjoy additional benefits and then following the steps:

  • Click on the credit card tab on the homepage.
  • Enter Net Banking Customer ID and Mobile Number.
  • Select the IDBI Bank Credit Card you want to apply for.
  • Click on ‘Apply Now’.
  • You can also visit a nearby IDBI Bank Branch to apply for a Credit Card.

How to Check IDBI Bank Credit Card Status?

You can check the status of your IDBI Bank Credit Card online by following these steps:

  • Visit official website of IDBI Bank and go to Credit Card Section.
  • Enter the mobile number.(Same as put in the credit card application)
  • The Mobile Number will be verified by an OTP.
  • Following this, you can check your application status.

What Determine IDBI Credit Card Limit

Many factors determine the Credit limit on a IDBI Bank Credit Card.

  • Applicant’s Income.
  • Applicant’s Age.
  • Any Loans & Liabilities attached to the applicant.
  • Applicant’s repayment capacity.
  • Applicant’s Credit History.
  • Applicant’s Credit Score.
  • Type of Credit Card issued.

The Credit Card limit of First-Time users is usually low as the bank does not have any prior record of how you manage your credit. Then overtime, based on your management of this limit, the card limit can be increased by the bank.

How to make IDBI Bank Credit Card Bill Payment

  1. NET BANKING: Make payment towards your credit card dues using IDBI net banking facility via direct debit from your IDBI Savings/Current account.
  2. Auto Debt Facility: This facility helps you by reducing the efforts to remember payment due date every month towards the payment of your IDBI Credit Card dues. Once authorized, the amount will be directly deducted from your IDBI Bank Savings/Current Account.
  3. I PAY:Conveniently pay from different bank accounts directly to your card account.
  4. NEFT: Pay your IDBI Credit Card dues via NEFT(Nation Electronic Funds Transfer). It is a convenient payment option that lets you use any bank to pay the IDBI Credit Card dues.
  5. Cash Payment: Walk into any IDBI Bank branch and pay the credit card dues, by mentioning card number, amount and the contact number

IDBI Bank Credit Card Customer Care Number

1800-209-4324

FAQs on IDBI Bank Credit Cards

1. What is IDBI Bank Credit Card Annual Fee?

The Annual Fees from IDBI Bank Credit Cards varies from Rs. 0 to Rs. 1,499 depending on the category/variant of card selected.

2. Can I increase My IDBI bank Credit Card limit later on?

Yes, the IDBI bank Credit Card limit could be increased later on. For this, you need to give a written request at any IDBI Bank branch to increase the credit limit as high as 85% of the total fixed deposit(s) link to your credit card.

3. Can an IDBI credit card be used within India and overseas?

The cardholder can access cash at IDBI Bank/VISA ATMs in India and overseas. A transaction fee of 2.5% of the transaction amount (subject to a minimum of 300) would be levied on all such transactions of the cash advance and would be billed to the cardholder in the monthly statement.

4. What should I do if my IDBI card is lost, misplaced, or stolen?

  • Inform IDBI Bank 24-hour Customer Care at 1800 425 7600 (Toll Free) or / 022 – 4042 6013 (call charges applicable) immediately.
  • Your lost/damaged card will be blocked instantly to prevent further misuse of the card.
  • SMS and email will be sent on your registered number and email address to confirm that the card is blocked.

5. What if I cross my IDBI credit limit?

If you make a transaction crossing your credit limit, then IDBI Bank will decide whether to approve or not the transaction.

If the transaction is approved, then overlimit charged would be levied on the card account.

The over-limit charge is 2.5% of the amount by which the credit limit is exceeded (subject to a minimum charge of 500).