Reward Rates:

  • 0.50

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.75

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.50

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.75

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.50

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 899/-
Annual Rewards
Rs. /-

Top Picks


Best For Card Name
Fuel No particular card for fuel.
Travel IDBI Bank Euphoria World Card, IDBI Bank Rupay Winnings Card
Family IDBI Bank Aspire Platinum Card
Premium No particular card for fuel.
Frequent Spenders IDBI Bank Royale Signature Card

Best IDBI Bank Credit Card for Family: IDBI Bank Aspire Platinum Card


Benefits

This card comes free of cost for the first year and offers conditional joining benefits of upto Rs. 125 along with reward value of Rs. 0.50 on spending of each Rs. 150.

Drawbacks

The card doesn’t offer any exclusive benefits other than the regular reward value and fuel surcharge waiver.

Bottom Line

In order to earn benefit equal to the annual fee on the card, you have to spend Rs. 12,500 monthly on the card. Unless you make all your expenses on the card, it is hard to retain a good benefit on it, which makes it a good fit for a family card, where monthly expenses easily reaches the minimum beneficial expense criteria.

Best IDBI Bank Credit Card for Travel: IDBI Bank Euphoria World Card


Benefits

IDBI Bank Euphoria Card comes with a joining benefit of Rs. 1000 and offers reward value of upto Rs. 1.50 against each Rs. 100 spending. Moreover, you get access to Mastercard domestic lounges, lost card liability cover, and conditional annual fee waiver along with accidental death cover of Rs. 25 Lacs.

Drawbacks

In order to earn the joining benefit of Rs. 1000, your first transaction must be of minimum Rs. 1000. Moreover, the annual fee of Rs. 1499 is quite high against no renewal benefits.

Bottom Line

Though, you don’t get any renewal benefits on the card, you can simply get your annual fee waived off by spending only Rs.12,500 monthly. With a low interest rate of only 2.90% per month, complimentary lounge access and incremental reward benefit on travel bookings, it seems like a good fit for a traveler.

Best IDBI Bank Credit Card for Travel Runner’s Up: IDBI Bank Rupay Winnings Card


Benefits

This card offers flat savings of 10% as a joining benefits and offers reward value of Rs. 0.50 on spending of each Rs. 100. Moreover, you earn double reward value on all your eligible expenses in your birthday month. Additionally, you can earn reward value of Rs. 125 on monthly milestone spending criteria.

Apart from the reward benefits, you get complimentary domestic lounge access and insurance protection covers.

Drawbacks

This is a Rupay Card, means this card will not be valid for any international transaction and comes with high APR of 40.8%.

Bottom Line

The card does offer average benefits, unless you’re a frequent air traveler. The annual fee of Rs. 899 is a bit high as per the benefits offered, for non-traveler; However, you can easily avail annual fee waiver by spending Rs. 7500 monthly on the card. Apart from that, the high APR makes it hard to choose.

Best IDBI Bank Credit Card for Frequent Spender: IDBI Bank Royale Signature Card


Benefits

The Royale Signature card comes free of cost for the first year and offers conditional welcome benefit of up to Rs. 187.50. You can earn reward value of Rs. 0.75 on spending of each Rs. 100 on the card. Moreover, you get complimentary access to domestic lounges along with accidental death cover.

Drawbacks

The card doesn’t offer any renewal benefits against annual fee of Rs. 1499 along with no provision of annual fee waiver.

Bottom Line

Although, the card becomes heavy on the cardholder’s pockets from the 2nd year, it comes with low APR of 30%. If you are not a frequent spender, then you should skip this card.

View Other IDBI Credit Cards


IDBI Imperium Platinum Credit Card

This is a secured credit card offered by IDBI Bank, which can be availed against a minimum fixed deposit value of Rs. 20,000. The card is average on reward value with Rs. 0.50 against each Rs. 150 spending. It comes with an annual fee of Rs. 499 which can be easily waived off by spending Rs.6300 monthly on the card, and offers low APR of 34.80%.

However, you don’t get any privileges on the card such complimentary lounge access or fuel surcharge waiver.

IDBI Bank Credit Card Eligibility


Eligibility Criteria
Age 18 to 70 Years
For Salaried
Minimum 15 Years
For Add-on Cardholder
Income Rs. 9 Lacs
For Signature Card
Minimum Rs. 20,000 Deposit Amount
For Insta Easy Card
  • Applicant should be a resident Indian, except in case of IDBI Imperium Platinum Card.
  • The minimum age of an applicant should not be less than 21 years.
  • The maximum age of a salaried applicant should not be more than 60 years and must not be more than 65 years for self-employed applicants.
  • The minimum age of an add-on cardholder should not be less than 18 years.
  • Minimum Fixed Deposit Amount for IDBI Imperium Platinum Card should be at least Rs. 20,000.
  • Maximum 5 Fixed Deposit Account can be clubbed together to be eligible for IDBI Imperium Platinum Card.

IDBI Bank Credit Card Documentation


  • Passport Size Photographs
  • Latest 3 months’ Salary Slip and Latest 3 months Bank Statement along with Income Tax Returns (ITR)/Form 16
  • KYC Documents

IDBI Bank Credit Cards – Other Charges


Charge Amount
Foreign transaction fee 3.5% foreign currency markup
Late Fee Zero to Rs. 750
Minimum Payment 5% of the outstanding amount.
Min Rs. 200
Over-limit fee 2.5% of the overlimit amount.
Min Rs. 500
Returned payment fee Rs. 225 per instance.
EMI Conversion Charges 13% per annum interest with zero processing charges
EMI Conversion Charges 2.9% per month interest with a processing fee equal to 1.5% of the transfer amount.
Min Rs. 199

How To Apply for IDBI Bank Credit Card?


  • Select an IDBI Bank Credit Card as per your preferences from above.
  • Click on “Apply Now” and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Check the details and Submit

You’ll receive a confirmation message from IDBI Bank after completion of the application form.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.