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 premium. |
| Frequent Spenders | IDBI Bank Royale Signature Card |
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.
Bottomline
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%.
Bottomline
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.
Bottomline
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.
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.
Bottomline
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.
View Other IDBI Credit Card
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.
Eligibility Criteria
- 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.
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 Reward Points – Earn & Burn
| Spends | Euphoria World Card | Aspire Platinum Card | Royale Signature Card | Imperium Platinum Card | Winnings Card |
| Dining | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Departmental Stores | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Grocery Stores | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Travel | 6 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Entertainment | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Utility Bill Payment | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Fuel | Nil | Nil | Nil | Nil | Nil |
| Online Shopping | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| Partners | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
| International | 3 Delight Points on every Rs. 100 | 3 Delight Points on every Rs. 100 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 150 | 2 Delight Points on every Rs. 100 |
IDBI Bank Credit Card Bill Payment
IDBI Bank offers multiple methods to IDBI credit cardholders to pay their idbi bank credit card bills on time. These methods include both online as well as offline methods. Here are the various methods to pay your IDBI Bank Credit Card Bills Online as well as Offline.
IDBI Bank Credit Cards – Fees & Charges
| Euphoria World Card | Aspire Platinum Card | Royale Signature Card | Imperium Platinum Card | Winnings Card | |
| Finance Charges | 2.90% per month | 2.90% per month | 2.50% per month | 2.90% per month | 3.40% per month |
| Cash advance fee | 2.5% of the withdrawal amountMin Rs. 300 | 2.5% of the withdrawal amountMin Rs. 300 | 2.5% of the withdrawal amountMin Rs. 300 | 2.5% of the withdrawal amountMin Rs. 300 | 2.5% of the withdrawal amountMin Rs. 300 |
| Annual fee | Rs. 1499 | Rs. 499 | Rs. 1499 | Rs. 499 | Rs. 899 |
Other Charges
| Charge | Amount |
| Foreign transaction fee | 3.5% foreign currency markup |
| Late Fee | Zero to Rs. 750 |
| Minimum Payment | 5% of the outstanding amountMin Rs. 200 |
| Over-limit fee | 2.5% of the transaction amountMin Rs. 500 |
| Returned payment fee | Rs. 225 |
| EMI Conversion Charges | 13% per annum interest with zero processing charges |
| Balance Transfer Charges | 2.9% per month interest with a processing fee equal to 1.5% of the transfer amount or min Rs. 199. |
How To Apply for IDBI Bank Credit Card?
- Select a IDBI Bank Credit Card as per your preferences given 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 got rejected, you would be able to apply after 3 months of your previous application.