IDBI Bank Aspire Platinum Credit Card

IDBI Bank Aspire Platinum Credit Card lets you earn reward points on multiple categories, including travel, dining, lifestyle and more. Below mentioned are the key features and benefits of this credit card:

Reward Points: 2 Delight points for every Rs. 150 spent.

Welcome Gift*: 500 Delight points on the first usage of the card within 30 days or 300 Delight points on usage between 31 to 90 days from the card issuance date.

* The minimum eligible transaction value for the welcome gift is Rs. 1,500.

Interest-Free Credit: Interest-free credit period of up to 48 days.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000. You can avail a maximum waiver of Rs. 300 per month.

Zero Lost Card Liability: In case you lose your credit card, report the loss immediately to customer care to avail zero lost card liability. You can contact the bank’s 24-hour customer care number on 1800 425 7600 (toll-free) or by dialing the non-toll-free number 022-4042 6013. The representative will immediately block the card for all transactions to prevent it from any misuse.

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

Add-on Card: Add-on card is offered only to family members who are above 18 years.

Visa Offers: Avail complimentary visa offers on airport shopping, hotel, car rentals, etc.

The fees and charges associated with this credit card are mentioned in the table below:

Type of Fee or Charge	Amount
Joining Fee	Nil
Annual/ Renewal Fee	Nil
Finance Charges	2.9% p.m.
Late Payment Charges	For Statement Balance: Below Rs. 500: Nil Rs. 500 to Rs. 5,000: Rs. 400 Rs. 5,000 to Rs. 10,000: Rs. 500 Rs. 10,000 to Rs. 20,000: Rs. 750 Above Rs. 20,000: Rs. 950

Must read: 5 Best Credit Cards for Reward Points

The applicant must fulfil the below mentioned eligibility criteria to apply for this credit card:

Particular	Details
Occupation	Salaried or Self-employed
Minimum Age Requirement	21 years
Maximum Age Requirement	Salaried: 60 years Self-employed: 65 years
Documents Required	Click here for the list of acceptable documents

IDBI Bank Aspire Platinum Credit Card is best- suited for people who want to earn reward points on multiple categories, such as dining, travel and lifestyle. This card lets you earn 2 reward points on every Rs. 150 spent. However, the rewards rate offered by this credit card is low as compared to other rewards credit cards available in the market. Another feature is that this card also offers benefits on fuel and comes with relaxed eligibility, which makes it easier to apply for. Overall, this is a good option for people who are new to credit and want to avail reward points on their purchases without paying any annual charges.

Suggested read: Best Entry-level Credit Cards in India

If you are looking for a credit card that offers similar benefits to IDBI Bank Aspire Platinum Credit Card, then you can refer to the credit cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
Axis Ace Credit Card	Rs. 499	5% cashback on bill payment, DTH and mobile recharge*
SBI SimplyCLICK Credit Card	Rs. 499	10X reward points on online spends with partners
HSBC Cashback Credit Card	Rs. 750	1.5% cashback on all online transactions
Standard Chartered Platinum Rewards Credit Card	Rs. 250	5X reward points on every Rs. 150 spent on fine-dining and fuel
ICICI Bank Coral Contactless Card	Rs. 500	2 reward points for every Rs. 100 spent

*Terms and conditions applicable.

Q. What is the credit limit of IDBI Bank Aspire Platinum Credit Card?

A. The credit limit is decided by the bank after scrutinizing your application. It varies as per your income and eligibility.

Q. Can I earn reward points on fuel transactions via this credit card?

A. No, you cannot earn reward points on fuel transactions. However, you can avail 1% fuel surcharge waiver on your fuel transactions via this credit card.

Q. I already have a credit card. Can I apply for this credit card?

A. Yes, cardholders with an existing credit card can also apply for this credit card. However, your chances of approval totally depend on the bank.

Q. How can I apply for IDBI Bank Aspire Platinum Credit Card?

A. You can apply for this credit card by visiting the official website of IDBI Bank or the nearest branch.

Q. What is the minimum age requirement for add-on cardholders?

A. Add-on card is provided to the family members of the primary cardholder who are above 18 years.

Q. What is the card replacement fee for IDBI Bank Aspire Platinum Credit Card?

A. The IDBI Bank charges a card replacement fee of Rs. 200.