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IDBI Bank
IDBI Bank Imperium Platinum Credit Card
Rewards
1st Year Fee: ₹499* Plus Applicable Taxes
Rewards
2 Delight Points per Rs. 150 spent
Fuel
Save up to Rs. 3,600 on fuel yearly
No Fee
Fee waiver on spending Rs. 75,000 p.a.
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About IDBI Bank Imperium Platinum Credit Card
IDBI Bank Imperium Platinum Credit Card is a secured credit card offered against a min. fixed deposit of Rs. 20,000. It is designed for individuals who are new-to-credit or are not eligible for an unsecured credit card. The card offers 2 Delight Points per Rs. 150 spent on everyday categories such as shopping, movies and travel, along with fuel surcharge waiver benefits. With a low annual fee and a fee waiver option for annual spending of Rs. 75,000, this card is a suitable option for consumers who are new-to-credit or want to rebuild their credit profile.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDBI Bank’s website.
Key Features and Benefits
Reward Points
- 2 Delight Points per Rs. 150 spent on shopping, movies, travelling, etc.1
Welcome Benefit
- 500 Delight Points as a welcome bonus on a min. transaction of Rs. 1,500 within first month or 300 points between 31 to 90 days from the date of card activation
Other Benefits
- 1% fuel surcharge charge on all fuel spends between Rs. 400 and Rs. 4,000, capped at Rs. 300 per month
- Credit limit of 85% of the FD amount
- Up to 48 days interest-free credit
- Annual fee waiver on spending Rs. 75,000 yearly
IDBI Bank Imperium Platinum Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining fee | Rs. 499 + Taxes | ||||||||||
| Annual fee | Rs. 499 + Taxes | ||||||||||
| Finance charges | 3.75% per month (45% p.a.) | ||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if:
You are new-to-credit card and not eligible for unsecured card
You want a card with basic reward benefits on shopping, travelling, movies, etc.
You are willing to spend Rs. 75,000 annually to get the annual fee waived off
Eligibility Criteria
Min. FD Amount: Rs. 20,000
Min. Age Requirement: 18 Years
Resident: Indian
Paisabazaar Review
What do we like about this card?
IDBI Bank Imperium Platinum is a secured credit card for consumers who want to start their credit journey and are not eligible for unsecured cards. This card offers 2 Delight points on every Rs. 150 spent on travel, movie and shopping. Cardholders can also save up to Rs. 3,600 on fuel spends via a fuel surcharge waiver. Overall, this low annual fee credit card is a suitable option for consumers seeking a basic credit card with limited benefits.
Pros
- 2 Delight Points per Rs. 150 spent
- Save up to Rs. 3,600 every year on fuel spends
- Low annual fee of Rs. 499
- 500 Delight Points as welcome benefits
Cons
- Reward rate is relatively low
- No complimentary domestic and international airport lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
IDBI Bank Imperium Platinum Credit Card is a secured credit card offered against a minimum fixed deposit of Rs. 20,000, with a credit limit of up to 85% of the FD amount.
IDBI Bank Imperium Platinum Credit Card offers 2 Delight Points per Rs. 150 spent on shopping, movies, travel and other lifestyle purchases for everyday spending.
IDBI Bank Imperium Platinum offers 500 Delight Points on Rs. 1,500 spend within 30 days or 300 points if spent between 31 and 90 days of activation.
IDBI Bank Imperium Platinum charges Rs. 499 plus taxes as joining and annual fee, which can be waived on annual spends of Rs. 75,000.
Yes, the card offers 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, capped at Rs. 300 per month.
IDBI Bank Imperium Platinum Credit Card is suitable for new-to-credit individuals who are not eligible for unsecured cards, seeking basic rewards while building credit history.
Footnotes
- Exclusions: Financial Institutions-Manual Cash Disbursements, Financial Institutions-Automated Cash Disbursements, Securities-Brokers/Dealers, Insurance Sales, Underwriting, and Premiums, Court Costs including Alimony and Child Support, Fines, Tax Payments, Government Services-Not Elsewhere Classified, Intra-Government Purchases-Government Only, Insurance Sales, Underwriting, and Premiums, Passenger Railways, Direct Marketing-Insurance Services, Service Stations (with and without Ancillary Service), Automated Fuel Dispensers, Petroleum and Petroleum Products, Fuel Dealers – Coal, Fuel Oil, Liquefied Petroleum Goods.
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Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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