IDBI Credit Card

Home Credit Card Idbi Bank
loadingApply Now
loading

Find your perfect IDBI Bank Credit Card

IDBI Bank credit card offers benefits that match the preferences of their customers. Find your next credit card with IDBI Bank. Apply now.

Get the Best IDBI Bank Credit Card

Digits Only
Error: We need your income to check which credit cards are suitable for you
Note: Your post-tax salary excluding any bonus/incentive
0 / 6 Digits
Error: This is mandatory. We need to check availability of service in your area
City: Delhi
Error: This is a mandatory field
Which bank’s credit card are you using?

  • Top Banks

  • All Banks

0 / 10 Digits +91
Error: This is invalid mobile number
Note: We may verify this number later using OTP
Error: Enter a valid Full Name
Error: Enter a valid Email Address
Error: PAN is required
Error: Date of Birth is required

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 23/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 23/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :23/01/2020

More

By submitting this form, I agree to Term of Use

*Offers are from Paisabazaar's partner Banks & NBFCs.

OTP Verification

Verify your mobile

Please enter the OTP we sent via SMS

Didn’t receive your OTP? Send it again
Updated: 23-04-2019 11:11:03 AM

IDBI is one of the leading financial institution in the banking industry or the financial sector whether its investment banking or capital market or mutual funds. The Bank’s strong business policy together with experienced and skilled workforce and a strong technological team has made the bank a key market leader in all respects.

The bank offers 4 types of credit cards which are as follows:

  • Royale Signature.
  • Aspire Platinum
  • Euphoria World.
  • Imperium Platinum

Now we will see an overview of each of the above credit cards one by one:

Did you find this article helpful? Rate it.

Royale Signature
Royale Signature

IDBI Bank Royale Signature Credit Card is for the segment of people who wants the top class services and also want to enjoy the best of lavishness and comfort in anywhere in the world. The main features and benefits are as follows:

  • Earning of Delight Points: One will earn 3 Delight points for every Rs 100 spent on this card. A welcome gift is 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. However, to be eligible for the welcome gift the minimum transaction value has to be Rs 1500/-.
  • Drive On:  A waiver of 2.5% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400 - Rs 5000 with a maximum of Rs 500 in waivers per month.
  • Interest Free Credit:  A interest free credit period of 48 days is given to the card holder to arrange for payment.
  • Coverage of Insurance while Air travelling :  A strong coverage of Rs 25 lakhs is what the card offers to cover the risk of life as an insurance to the card holder
  • Add on cards are available for the family members who are above 18 years of age.
  • Customers will be entitled for special offers on hotels, car rentals, airport shopping provided for VISA signature card holders.
  • Airport Lounge Access: Royale Signature Card facilitates the card holder to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
  • Zero Lost Card Liability:  Wherever, the card is lost, one needs to report the same immediately at the IDBI toll free 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.
Aspire Platinum
Aspire Platinum

This is card is for those customers who wants to enjoy host of benefits with relates to lifestyles, travelling, dining and needs additional rewards points to have more privileges. The major features and benefits are as follows:

  • Earning of Delight Points: Customers will earn 2 Delight points for every Rs 150 spent on this card. A welcome gift is 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. However, to be eligible for the welcome gift the minimum transaction value has to be Rs 1500/-.
  • Drive On:  A waiver of 2.5% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400- Rs 4000 with a maximum of Rs 300 in waivers per month.
  • Interest Free Credit:  An interest free credit period of 48 days is given to the card holder to arrange for payment.
  • One can gift add on cards to his or her family members who are above 18 years of age.
  • All Customers holding this card will be permitted for special offers on hotels, car rentals, airport shopping provided for VISA signature card holders.
  • Zero Lost Card Liability:  If the card is lost, one needs to 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 lakhs merchants in India and 29 million merchants globally accept this credit card.
Euphoria World
Euphoria World

With Euphoria World IDBI Credit Card, one can enjoy the luxuriousness, extravagance and magnificence of the exotic hotels and restaurants. The unmatched features are as follows:

  • Earning of Delight Points: Customers will earn 6 Delight points for every Rs 100 spent on this card. A welcome gift is 4000 Delight points is given on the first use of the card within 60 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value has to be Rs 1500/-.
  • Drive On:  A waiver of 2.5% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400- Rs 5000 with a maximum of Rs 500 in fuel surcharge waivers per month.
  • Delight Points – Annual Points of 2000 can be earned on payment of annual fee.
  • Interest Free Credit:  An interest free credit period of 48 days is given to the card holder to arrange for payment.
  • One can get add on cards for his or her family members who are above 18 years of age.
  • All Customers holding this card will be provided special offers on hotels, car rentals and airport shopping facilities provided to Master Card signature card holders.
  • Zero Lost Card Liability:  If the card is lost, one needs to report the same without delay at the toll free IDBI number to get the card blocked. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank thereafter.
  • Coverage of Insurance while Air travelling:  Air accident death coverage of Rs 25 lakhs is offered as a complimentary feature to the card holder.
  • Airport Lounge Access: Royale Signature Card facilitates the card holder to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
  • Global and wider Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally are tied up with this credit card.
Imperium Platinum
Imperium Platinum

Imperium Platinum IDBI Credit Card is a secured card option given to customers against the fixed deposits which is owned by them on the VISA policy. The basic features are:

  • Earning of Delight Points: Customers will earn 2 Delight points for every Rs 150 spent on this card. A welcome gift is 500 Delight points is given on the first use of the card within 30 days and 300 delight points within 30-90 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value has to be Rs 1500/-.
  • Credit Limit: One can enjoy 85% of the fixed deposit as a credit limit.
  • Cash withdrawal limit of 75% of the credit is allowed on the IDBI Imperium Platinum card.
  • Interest Free Credit:  An interest free credit period of 48 days is given to the card holder to arrange for payment.
  • One can provide add on cards to his or her family members who are above 18 years of age.
  • All Customers holding this card will be permitted for special offers on hotels, car rentals, airport shopping provided for Visa Card signature card holders.
  • Zero Lost Card Liability:  If the card is lost, one needs to report the same without delay at the toll free number on the back of the card to block the card. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank.
  • Global Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally are tied up with this credit card.
Eligibility for Royale Signature, Aspire Platinum and Euphoria World
Eligibility for Royale Signature, Aspire Platinum and Euphoria World

The primary card holder’s age has to be minimum 21 years and maximum 60 years in case of salaried and 65 years in case of self employed. The applicant must be a resident of India.

Documentation

Identity Proof such as Aadhar Card or Voter ID Card

Residence proof

Income Proof such as last 3 months’ salary slip and bank’s statements or Income Tax Returns (ITR)  or Form 16 with recent photograph.

Eligibility for Imperium Platinum

The primary card holder’s age must be 18 years and above. Minimum amount of fixed deposit should be Rs 20000/- or its equivalent in FCNR deposits. All modes of operation are allowed except jointly operated accounts. Third party FDs, FDs with sweep in facility, Tax savings facility, and FD sin combination with INR and FCNR are also not eligible.

Schedule of Charges

Royale Signature

Aspire Platinum

Euphoria World

Imperium Platinum

Joining Fee

Nil

Nil

Rs 1499/-

Rs 499/-

Annual Fee- Main Card

Rs 1499/-

Rs 499/-

Rs 1499/-

Rs 499/-

Annual Fee- Add on Card

Nil

Nil

Nil

Nil

Renewal fee- Add on card

Nil

Nil

Nil

Nil

Interest

2.5%

2.9%

2.9%

2.9%

Payment Options for IDBI credit cards
Payment Options for IDBI credit cards

The IDBI credit card holder can opt for any of the modes of payment being accepted towards their IDBU credit card. The various modes of payment are:

  1. Auto-Debit from IDBI account
    the payment IDBI credit card can be made as direct auto debit from the cardholder’s account being held with IDBI bank. This allows the cardholder to not only save time & effort but the chances to miss on payment is also mitigated. The card holder needs to provide a one-time mandate which authorizes IDBI bank to deduct either minimum payment or full amount payment every month automatically before the due date.
  2. IDBI Net banking Facility
    The card holder can also make the payment towards IDBI credit card directly using their IDBI net banking facility. For the payment each time the cardholder has to login into net banking at pay either the minimum amount due of full due amount from their IDBI saving or current account.
  3. NEFT Facility
    In case the card holder doesn’t hold any operative account with IDBI bank, he/she may initiate the payment through NEFT Facility (National Electronic Funds Transfer). Payment through NEFT is not only convenient but also is processed lot quicker than other modes such as cheque or draft issuance .The Cardholder has to use his 16 digit IDBI card number and  IFSC code "IBKL0NEFT01" and beneficiary bank  as "IDBI Bank Ltd." to set up the NEFT payment system.
  4. Cheque/ Draft Payment
    The Cardholder can drop the Cheque/Draft towards payment of their IDBI credit card into any of the nearest IDBI Bank credit card drop boxes, which are placed inside the IDBI Bank branches and at IDBI ATMs. The Cheque/Draft should be payable to IDBI Bank Credit Card Number account.
  5. Cash Payment at Bank Branch
    Payment as cash deposit for credit card outstanding is also a quicker option for the payment towards IDBI Credit card. The cardholder can visit any of the nearest IDBI Bank branches and pay credit card outstanding dues against their card number. The cardholder is provided with a receipt of cash deposit towards payment of their credit card dues.
  6. Visa Money Transfer Option
    The Card holders can also pay their  IDBI Bank Visa Credit Card outstanding dues using the Visa Money Transfer option through other bank savings/current account.
  7. IPay Facility
    IPAY is next-gen mobile banking service which allows cardholder to pay their credit card outstanding by just a tap of their finger. The cardholder can conveniently pay off their IDBI credit card dues using non-IDBI bank accounts using this facility.
Other Features of IDBI credit cards
Other Features of IDBI credit cards

IDBI Delight Credit Card rewards program

IDBI Bank makes using its credit card worth an experience. The rich features of these credit cards not only offer tranquility of mind, but every time you spend, you stand to receive a wide range of gifts and other rewards.

All the IDBI credit cardholders are entitled to earn Delight Points each time they spend using their IDBI Bank Credit Card. The reward points earned can be spent on more than 7000 exciting rewards across various categories such as the following.

One may spend their IDBI reward points against any of the categories mentioned below:

  • Mobile / DTH recharge
  • Hotel bookings
  • Movie ticket bookings
  • Air / Bus ticket bookings
How to register for IDBI Delight reward points Scheme
How to register for IDBI Delight reward points Scheme

IDBI bank offers 2 ways to enroll and activate the Delight account for its credit cardholders.

Option 1- The cardholder can login to IDBI credit card net banking and select the rewards option. Generate and enter the OPT(One Time Password) which is sent on their  registered mobile number with the bank and the User ID & login Password for IDBI delight account is send on their registered e-mail ID and Mobile Number.

Option 2- The cardholder can login directly to the IDBI Delight website and select the New User option. They would be required to enter their Credit Card Number and the OTP which is sent on the cardholder’s registered mobile number. Post verification of personal details, the cardholder may generate their User ID & Password.

Menu