What is the expiry date of Delight Points?

Delight Points earned on your IDBI Bank Credit Card expires after 3 years from the date of issuance of points.

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Best IDBI Bank Credit Cards in India 2026

IDBI Bank Credit Cards	Annual Fee/Renewal Fee	Best Suited For
IDBI Royale Signature Credit Card	Rs. 1,499	Lifestyle
IDBI Aspire Platinum Credit Card	Rs. 499	Shopping and Rewards
IDBI Imperium Platinum Credit Card	Rs. 499	Travel
IDBI Winnings Credit Card	Rs. 899	Travel

IDBI Royale Signature Credit Card- Features & Benefits

Delight Points: 3 Delight points for every Rs 100 spent

Welcome Gift: 750 Delight points is given on the first use of the card within 30 days and 400 Delight Points within 31-90 days from the issue date of the card

Fuel Surcharge Waiver: 1% fuel surcharge waiver on all the petrol pumps ranging from Rs 400 – Rs 5000 with a maximum of Rs 500 in waivers per month

Interest-Free Credit: Interest-free credit period of 48 days is given to manage your credit card payments

Coverage of Insurance: A strong coverage of Rs. 25 lakh is what the card offers to cover the risk of life as an insurance

Airport Lounge Access: 1 complimentary access airport lounge access in India every calendar quarter

Similar Card: ICICI Coral Contactless

IDBI Royale Signature is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

IDBI Aspire Platinum Credit Card- Features & Benefits

Delight Points: 2 Delight points for every Rs 150 sent

Welcome Gift: 500 Delight points is given on the first use of the card within 30 days and 300 Delight Points within 31-90 days from the issue date of the card

Fuel Surcharge Waiver: A waiver of 1% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs. 400- Rs. 4000 with a maximum of Rs 300 in waiver per month

Interest-Free Credit: A interest-free credit period of 48 days is given to manage your credit card payments

Zero Lost Card Liability: If the card is lost, you can report the same without delay at the toll free customer service number to block the card. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank thereafter.

Global Acceptance: Over 9 lakh merchants in India and 29 million merchants globally accept this credit card.

Similar Card: ICICI Visa Platinum

IDBI Aspire Platinum is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

IDBI Imperium Platinum Credit Card- Features & Benefits

Delight Points: Earn 2 Delight points for every Rs 150 spent on shopping, watching movies, traveling, etc.

Welcome Gift: Welcome gift of 500 Delight points is given on the first use of the card within 30 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value has to be Rs. 1500

Global Acceptance: Over 9 lakh merchants in India and 29 million merchants globally accept this credit card

Zero Lost Card Liability: Immediately call at 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free) if the card is lost to get the card blocked

Coverage of Insurance: Air accident death coverage of Rs 25 lakhs is offered as a complimentary feature

Credit Limit: Credit limit as high as 85% of your Fixed deposit(s)

Interest-Free Credit: A interest-free credit period of 48 days is given to manage your credit card payments

Global and wider Acceptance: Over 9 lakh merchants in India and 29 million merchants globally are tied up with this credit card.

Similar Card: ICICI Bank Rubyx

IDBI Imperium Platinum is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

IDBI Winnings - Features & Benefits

Delight Points– Earn 2 delight points on every Rs.100 spent

Welcome Gift– Get 10% cashback on all the transactions on spending Rs.500 in the first 90 days

Fuel Surcharge Waiver – Get 1% fuel surcharge waiver on using this credit card

Airport Lounge Access– You can enjoy access to airport lounges with IDBI Winnings credit card in India & Abroad

Wider Acceptance- Book Air/IRCTC/Bus/Hotels/ Movie tickets or enjoying Dining, Shopping, Paying Utility Bills, Recharge, Fuel and much more at over 39.3 million merchants and 1.88 million ATMs spread across India and abroad

Zero Lost Card Liability: Immediately call at 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free) if the card is lost to get the card blocked

Similar Card: ICICI MakeMyTrip Platinum

IDBI Winnings is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials

IDBI Credit Cards- Fees & Charges

Fees and Charges	Amount Details
Free Credit Period	Up to 48 days
Finance Charges on Revolving Credit and Cash Advance	3.25% p.m. (46.78% annual)
Cash Withdrawal Fee	2.5% of the amount withdrawn (min. Rs. 500)
Cash Payment Fee	Rs. 100
Late Payment Fee	For outstanding balance up to Rs. 100- Nil For balance from Rs. 101 to Rs. 500- Rs. 100 For balance from Rs. 501 to Rs.5,000- Rs. 400 For balance from Rs. 5,001 to Rs. 20,000- Rs. 500 For balance from Rs. 10001- Rs. 20,000- Rs. 750 For balance more than Rs.20,000 - Rs.950
Over Limit Fee	3% of the amount (min. Rs. 500)
Fee for cheque dishonor or auto-debit reversal	2% of the amount withdrawn (min. Rs. 450)
Foreign Currency Mark-up Fee	3.5% of the transaction amount

IDBI Credit Cards- Eligibility & Documentation

There are certain criteria that the card provider 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. Some of these eligibility criteria details are given below:

Age of Primary Cardholder: 21 to 60 years (up to 65 years for the self-employed)
Age of Add-on Cardholder: 18 years or above
Nationality: Indian resident

Given below are the documents required while applying for a IDBI credit card:

Recent passport size photograph
Proof of Identity: PAN card, Aadhaar card, Voter ID, Passport or Driving License
Proof of Address: Recent electricity/telephone bill, Election card, Aadhaar card or Passport
Proof of Income: Latest IT Return, Form 16, 3 months salary slip or 3 months bank statement

The eligibility criteria and documents may vary as per the individual case and are subject to the bank’s internal policies.

How to Apply for IDBI Bank Credit Cards?

You can use the following ways to apply for IDBI Bank Credit Cards online and offline:

Visit the bank website, click on ‘Apply Now’ button and provide details under 'Help Us Contact You' page so that the bank can contact you
Visit the nearest IDBI Bank branch and submit the credit card application form with the required documents
Call IDBI credit card customer care number at 1800 425 7600 (toll-free) or 022 4042 6013

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

What is the CIBIL score required for an IDBI Credit Card?

IDBI Bank prefers to issue credit cards to individuals with a good credit score, preferably above 750. However, there are select entry-level cards designed for those who are new to credit.

How to apply online for an IDBI Credit Card?

To apply online for an IDBI Credit Card, visit the official website of the bank and navigate to the credit card section. Select the card you are eligible for and fill out the online application form. Make sure to upload the necessary documents to complete the process.

What is the customer care number for IDBI Credit Cards?

For any queries related to IDBI Bank credit cards, you can contact customer service at the toll-free number 1800 425 7600. Alternatively, you can also call the non-toll-free number 022-4042 6013. For email support, you can reach out at idbicards@idbi.co.in.

What is the minimum salary required to be eligible for an IDBI Credit Card?

The minimum salary requirement varies depending on the specific card. It’s advisable to check the eligibility criteria mentioned on the respective card’s page on the official website. For some cards, the income requirement is provided during the application process.

How can I check the application status for an IDBI Credit Card?

To check your IDBI Credit Card application status, visit the official website and enter your application number in the designated section. You can also contact IDBI Bank credit card customer care for assistance and mention your application number to get an update.

Are there any offers on IDBI Credit Cards?

IDBI Bank updates its credit card offers from time to time. You can check the latest offers on the official website or contact customer service for detailed information on current deals and offers.

How long does it take to receive IDBI credit card?

Once your credit card application is approved, it takes approximately 7 working days to receive your credit card.

I have received my IDBI Aspire Platinum credit card. Can I start using it immediately?

You can immediately start using your IDBI Aspire Platinum credit card if you receive it via Blue Dart Courier However, if the card is sent to you by speed post it will be in the deactivated state and you can activate it by calling Customer Care at 1800 425 7600 (Toll Free) / 022 – 4042 6013 (Call Charges Applicable).

Can IDBI Credit Cards be used for withdrawing cash?

Yes, you can withdraw cash at any bank ATM using IDBI Bank Credit Card. However, the withdrawal amount should be within your ‘cash withdrawal limit’.

What is the procedure to check Delight Points balance?

You can check the Delight Points on your card from your latest credit ard statement or you can also log in to IDBI Bank Credit Card Net-Banking and check the details.