IDBI Credit Cards

IDBI, or formally known as Industrial Development Bank of India, is a government-owned banking institution that was established in 1964 to meet the financial needs of Indians. IDBI provides a vast range of credit cards to suit the needs of different types of customers.

These cards are made to maximize the benefits when the customers are shopping, traveling, dining, entertainment, booking airline tickets, and much more. Here are some of the features of the credit cards from IDBI

• The facility to transfer balances from other bank credit cards

• Flexipay option to break huge expenses into affordable EMIs.

• Hassle-free cashless shopping experience with convenient repayment options

• Secure payment of utility bills with attractive cashback rewards

IDBI Bank Credit Cards

IDBI offers four different credit cards that are mentioned below.

1. Royale Signature credit card

2. Aspire Platinum credit card

3. Euphoria World credit card

4. Imperium Platinum credit card

IDBI Royale Signature Credit Card

1. Three Delight reward points on every transaction of Rs 100.

2. 750 Delight reward points on using the card for purchases above Rs 1500 within the first 30 days of receiving it and 400 points on using the card between 31-90 days of receiving the card.

3. Waivers on fuel surcharges by 2.5% on transactions between Rs 400-Rs 5000 with a limit of Rs 500 per month across all fuel stations in the country.

4. Interest-free credit period of 48 days.

5. Complimentary accident insurance cover of Rs 25 lakhs.

6. Availability of add-on cards for family members.

7. Exclusive offers on hotels, car rentals, and airport shopping

8. Complimentary lounge access across all domestic airports.

9. No liability on the customer for a lost card.

10. Annual fees of Rs 1499.

IDBI Aspire Platinum Credit Card

1. Two Delight reward points on every transaction of Rs 150.

2. 500 Delight reward points on using the card for transactions above Rs 1500 within the first 30 days of receiving it and 300 points on using the card between 31-90 days of receiving the card.

3. Waivers on fuel surcharges by 2.5% on transactions between Rs 400-Rs 5000 with a limit of Rs 500 per month across all fuel stations in the country.

4. Interest-free credit period of 48 days.

5. Availability of add-on cards for family members.

6. Exclusive offers on hotels, car rentals, and airport shopping

7. Complimentary lounge access across all domestic airports.

8. No liability on the customer for a lost card.

9. Global acceptance with over nine lakhs merchants in India and 29 million merchants worldwide.    

10. Annual fees of Rs 499.    

IDBI Euphoria World Credit Card

1. Six Delight reward points on every transaction of Rs 100.

2. 4,000 Delight reward points on using the card for purchases above Rs 1500 within the first 60 days of receiving the card.

3. Waivers on fuel surcharges by 2.5% on transactions between Rs 400-Rs 5000 with a limit of Rs 500 per month across all fuel stations in the country.

4. 2,000 Delight reward points on payment of the annual fee of Rs 1499.

5. Interest-free credit period of 48 days.

6. Availability of add-on cards for family members.

7. Exclusive offers on hotels, car rentals, and airport shopping

8. Complimentary lounge access across all domestic airports.

9. No liability on the customer for a lost card.

10. Complimentary accident insurance cover of Rs 25 lakhs.

11. Complimentary lounge access across all domestic airports.

12. Global acceptance with over nine lakhs merchants in India and 29 million merchants worldwide.    

IDBI Imperium Platinum Credit Card

1. Two Delight reward points on every transaction of Rs 150.

2. 500 Delight reward points on using the card for transactions above Rs 1500 within the first 30 days of receiving it and 300 points on using the card between 31-90 days of receiving the card.

3. Interest-free credit period of 48 days.

4. Availability of add-on cards for family members.

5. Complimentary lounge access across all domestic airports.

6. A high credit limit of 85%. of pledged FD amount.

7. Exclusive offers on hotels, car rentals, and airport shopping

8. No liability on the customer for a lost card.

9. A high cash withdrawal limit of 75% of the allowed credit.  

10. Global acceptance with over nine lakhs merchants in India and 29 million merchants worldwide.          

IDBI Credit Card Eligibility

IDBI Bank has set the following criteria for customers to obtain an IDBI credit card.

1. Minimum age of 21 years.

2. Maximum age of 65 years.

3. Fulfillment of the basic income limit set by the bank.

4. Applicant must be in some form of employment--salaried or self-employed.

How to Redeem IDBI Credit Card Reward Points

Customers can redeem their IDBI points by logging in to their banking accounts for attractive gifts and offers from their catalogue. They can also call customer care to redeem their IDBI points.

How to Make IDBI Credit Card Bill Payment

There are two ways of paying IDBI Bank credit card bills, online and offline. Customers can avail the following options on the online method.

1. Visa Credit Card Pay

2. NEFT payment

3. Paynet - Pay Online

4. UPI ID

5. Google Pay

Customers can also opt for the offline method with the following options.

1. Paying over the counter at any IDBI branch

2. Payment cheques in electronic drop boxes

3. Payment using IDBI Debit Card at any IDBI Bank ATM

IDBI Credit Card Customer Care

Customers with credit card queries can call the toll-free IDBI Bank credit card customer care number 1800 209 4324. This number is available to customers 24/7.

Frequently Asked Questions

 1: Can I apply for a IDBI credit card online?

Answer: Customers can apply for IDBI credit cards online by visiting the IDBI Bank website.

 2: How do I contact the IDBI customer care to block my credit card?

Answer: Customers with credit card queries can call the toll-free IDBI credit card customer care 1800 209 4324.

3: What credit score do I need to get an IDBI credit card?

Answer: IDBI prefers customers whose credit score is at least 700 or above. Individuals with a credit score of 650 and below are known to face difficulties in getting loans and credit cards.