IDBI Bank Imperium Platinum Credit Card

Welcome Benefits

• 500 Delight Points on a transaction of Rs. 1,500 within the first 30 days or 300 points between 31 – 90 days from the date of receiving the card

Reward Points

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

Fuel Surcharge Waiver

• 1% fuel surcharge waiver, up to Rs. 300 per month, on fuel spends between Rs. 400 and Rs. 4,000

Other Benefits

• Annual fee waiver on spending Rs. 75,000 in a year
• Credit limit of 85% of the FD Amount
• Cash withdrawal limit of 70% of the credit limit
• Interest free credit period of up to 48 days
• Zero lost card liability

To be eligible for this credit card, the applicant must be an Indian resident and also meet the below eligibility criteria:

• Age Requirement: 18 years
• Minimum FD Amount: 20,000
• Minimum Tenure for FD: 180 days

Note: Fixed deposit(s) held by HUF, Minor, NGO, Trust, Societies, Club, Partnership and Private & Public Ltd. companies; Third Party Fixed Deposit(s); FDs with sweep-out facility, Tax Savings FDs, and FDs in combination of INR & FCNR (foreign currency) will not be eligible for availing Imperium Secured Credit Card.

Click here for detailed fees and charges.

IDBI Imperium Platinum Card is a rewards credit card designed for consumers who are new to credit. Cardholders can earn 2 reward points for every Rs. 150 spent across all categories, making it a suitable option for those who prefer to use their credit card for day-to-day expenses. The accumulated reward points can be redeemed across multiple brands, enhancing the value-back for frequent shoppers. Besides this, additional benefits, such as 500 bonus reward points, a fuel surcharge waiver, and an annual fee waiver, further add to the overall value.

Consider this card if:

• You are new to credit and planning to start your credit journey with a secured card
• You are looking for a rewards credit card with basic benefits
• You can spend Rs. 75,000 in a year to avail the annual fee waiver

Consider other options if:

• You are eligible for unsecured credit cards with better benefits
• You are looking for a credit card to save on your travel spends
• You want direct savings with a cashback card or a rewards card that allows cash redemption at Rs. 1 per point

What is the minimum FD required for IDBI Imperium Platinum Credit Card?
You need to open a fixed deposit of at least Rs. 20,000 with IDBI Bank to apply for this secured credit card.

Is IDBI Imperium Platinum a secured card?
Yes, this is a secured credit card that is issued against a fixed deposit, making it suitable for beginners building their credit profile.

How many reward points can I earn on this card?
You earn 2 Delight Points for every Rs. 150 spent on shopping, movies, travel, and other everyday expenses.

What are the welcome benefits offered on IDBI Imperium Platinum Credit Card?

The card offers 500 Delight Points on spending of Rs. 1,500 or more within the first 30 days, or 300 points if spent within 31–90 days.

Does the card offer a fuel surcharge waiver?
Yes, the card offers 1% fuel surcharge waiver up to Rs. 300 per month on fuel spends between Rs. 400 and Rs. 4,000.

What is the credit limit offered on IDBI Bank Imperium Platinum Credit Card?
Your credit limit is up to 85% of your FD amount, with a cash withdrawal limit of 70% of the assigned credit limit.

Who is eligible to apply for IDBI Imperium Platinum Credit Card?
Any Indian resident above 18 years with the required FD can apply. However, FDs held by HUFs, minors, trusts, and companies are not eligible for this credit card.