IDBI Bank Aspire Platinum Credit Card
Reward yourself every time you spend when you shop with the IDBI Aspire Platinum Credit Card. Earn reward points on dining, shopping, movies and more. You can later redeem your points for cash back. Use the cashback to spend more or simply pay off your outstanding bill. Enjoy low annual fees, long interest-free periods and low rates of interest. With the IDBI Aspire Platinum Credit card, you are entitled to double the savings, and double the fun with benefits and deals from both IDBI and VISA.
IDBI Aspire Platinum Credit Card Benefits
- Welcome gift:
- Get 500 reward points when you use your card for the first time within 30 days.
- Or you can earn 300 reward points if you use your card between 31 - 90 days.
- Spend at least Rs. 1500 on the first transaction to avail of this offer.
- Reward points: Earn 2 points for every Rs. 150 you spend. So go ahead, and enjoy watching movies, dining out and shopping with your IDBI Aspire Platinum credit card.
- Waiver on fuel surcharge: Fill up your tank for any amount between Rs. 400 and Rs. 4000 and get the 2.5% surcharge waived. You can get a maximum of Rs. 300 waived per month.
- Visa offers: Cardholders are entitled to exclusive VISA Platinum offers on airport shopping, car rentals, hotels and more.
- Concierge services: VISA also provides concierge services for any travel-related issues.
- Supplementary cards: Share the benefits of the Aspire Platinum with your family members. Any immediate family member above the age of 18 is eligible for an add-on card. Reward points earned on add-on cards will be combined with the primary card. You can avail of one add-on card with the IDBI Aspire Platinum Credit Card.
Features of IDBI Aspire Platinum Credit Card
- Interest-free credit period: Cardholders are entitled to a credit period of up to 48 days on their purchases. Choose to pay the full amount, partial amounts or just the minimum due.
- Internationally accepted: The IDBI Aspire Platinum Credit Card is accepted around the world at over 29 million establishments. The card can be used at more than 9 lakh merchants in India alone.
- EMV chip and PIN enabled: The credit card is embedded with a microchip that enhances security and protection against fraud and duplication of your card. The PIN feature requires you to enter the personal identification number to verify any transaction you carry out with your credit card.
- No liability for lost card: If you lose your credit card, report it immediately to IDBI bank credit card customer care. Any fraudulent charges on your credit card after you report the loss will be covered by IDBI.
Important Fees and Charges
Type of Charge | Amount |
Joining Fee | Nil |
Annual Fee | Rs. 499 |
Supplementary Card | Nil |
Interest on revolving credit | 2.9% per month |
Interest on cash advance | 2.9% |
Cash advance transaction charge | 2.5% of transaction amount, subject to a minimum of Rs. 300. |
Other Fees and Charges
Type of Charge | Amount |
Overlimit | 2.5% of the overlimit amount, or a minimum of Rs. 500. |
Cheque return | Rs. 255 |
Auto-Debit return charge | Rs. 225 |
Reward redemption | Rs. 99 |
Card replacement | Rs. 200 |
Chargeslip request | Rs. 125 |
Duplicate statement | Rs. 100 |
Cash processing charges | Rs. 100 |
Limit Enhancement | Rs. 100 |
Outstation cheque processing charge | Rs. 25 for cheques up to Rs. 5000. Rs. 50 for cheques above Rs. 5000. |
Foreign currency transactions | 3.5% conversion mark up |
Late Payment Charges
Total Amount Due | Charges |
Up to Rs. 99 | Nil |
Rs. 100 - Rs. 500 | Rs. 100 |
Rs. 501 - Rs. 5000 | Rs. 400 |
Rs. 5001 - Rs. 20000 | Rs. 500 |
Above Rs. 20000 | Rs. 750 |
Eligibility for IDBI Aspire Platinum Credit Card
The eligibility criteria specified by IDBI Bank for the Aspire Platinum Credit Card is very minimal. You need to meet the following requirements:
- Residents of India can apply.
- Minimum age is 21 years old.
- Maximum age is 60. For the self-employed, the maximum age is 65 years.
- Add on cardholders should be 18 years or above.
These requirements are only indicative. IDBI may set eligibility criteria based on different individuals. IDBI Bank reserves the right to approve or reject credit card applications at its own discretion.
Documentation for IDBI Aspire Platinum Credit Card
The documents required by IDBI Bank for a credit card application for the Aspire Platinum card is listed below. More documentation may be required as specified by the bank.
One recent passport size photograph:
ID proof:
- Driving Licence
- PAN card
- Aadhar Card
- Passport
- Voter’s ID
Address Proof:
- Passport
- Election card
- Aadhar Card
- Telephone bill
- Electricity proof
Income proof:
FAQs on IDBI Aspire Platinum Credit Card
- How do I earn reward points?
When you swipe your card for purchases at merchant outlets, for every Rs. 150 you spend, you will collect 2 reward points. You can track the number of points you’ve earned through your internet banking account or through the customer care service.
- What are my reward point's worth?
When you have collected at least 1000 points, you can redeem them for cashback. 4 reward point’s amounts to 1 rupee. Cashback will be credited to your credit card account and can be used against your outstanding bill. If you don’t have any outstanding amount, you can spend the cashback available on your credit card.
- How do I redeem my reward points?
You can request to redeem your points by logging into your Internet banking account. You can also call the IDBI customer care to request redemption of reward points.
- How do I avail of the welcome offer on the IDBI Aspire Platinum Credit Card?
Within the first 30 days of your credit card being issued, simply swipe your card for a transaction worth at least Rs. 1500 to get the reward of 500 points. If you haven’t made any transactions worth Rs. 1500 within 30 days, you can still avail of the offer between 31 and 90 days. You will receive only 300 reward points between the second period.
- How do I apply for the IDBI Aspire Platinum Credit Card?
You can apply for this credit card on the IDBI official website or you can visit any of the IDBI Bank branches and apply. Fill out the application form, and submit it along with the required documents.
- How do I apply for a supplementary card?
With the IDBI Aspire Platinum card, you can avail of one add on card for a family member above the age of 18. The add-on cardholder should have a PAN card. Visit any IDBI Bank branch, fill out the application form and submit it along with the required documentation of ID and residential proof.
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