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IDBI Bank Imperium Platinum Credit Card

IDBI Bank Imperium Platinum Credit Card a unique secured card. You can avail this credit card against your Fixed Deposits.

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IDBI Bank Imperium Platinum Credit Card Key Points

  1. 85% of FD as credit limit.
  2. 2 Delight Points per Rs.150 spent on movies, shopping, travel, etc.
  3. 500 Delight Points as welcome gift.
  4. Exclusive offers from Visa.

IDBI Bank Imperium Platinum Credit Card Benefits:

  1. Welcome Gift - Earn 500 Delight Points when you spend at least Rs.1,500 in one transaction using your IDBI Bank Imperium Platinum Credit Card within the first 30 days or get 300 points between 30 and 90 days of receiving the card.
  2. Rewards - On every Rs.150 that you spend using this card on movies, shopping, travel, etc., you will receive 2 Delight Points.
  3. Credit Limit - This card offers a credit limit of up to 85% of the Fixed Deposit amount.
  4. Cash Withdrawal Limit - This card offers up to 70% of the credit limit as cash withdrawal limit.
  5. Exclusive offers from Visa - Cardholders can enjoy exclusive offers on hotels, airport shopping, car rentals, etc., when they use this card to make transactions. They can also enjoy the travel concierge services offered by Visa.
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Features of IDBI Imperium Platinum Credit Card

  1. Worldwide Acceptance - IDBI Bank Imperium Platinum Credit Card is a global card that is accepted by more than 9 Lakh merchants in India and by more than 29 Lakh stores outside the country.
  2. Welcome e-Kit - Cardholders will get a digital welcome kit from the bank. This kit will have details about the card such as Card Usage policy, agreement, Most Important Terms and Conditions (MITC), etc.
  3. Delight Points Redemption - Cardholders can redeem their Delight Points to avail amazing offers from popular brands.
  4. Add-on Cards - With this card, people can avail add-on cards for their family members. All the primary card features and benefits can be enjoyed by the add-on cardholders.
  5. Interest Free Period - This card offers interest free credit period of up to 48 days on transactions.

Eligibility Criteria:

  1. The minimum age requirement for IDBI Bank Imperium Platinum Credit Card is 18 years.
  2. The minimum Fixed Deposit amount eligible for this card is Rs.20,000 or an equivalent FCNR deposit.
  3. Fixed Deposits that are held by minors, HUF, NGOs, Trusts, Clubs, Societies, Private and Public Ltd. companies, and Partnerships are not eligible for this card.
  4. Fixed Deposits with sweep-out service, Third Party Fixed Deposit(s), Tax Savings FDs and Fixed Deposits in combination of FCNR and INR are not eligible for this card.
  5. This card can be applied for by an individual applicant or the nominees.
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Required Documents:

  1. Proof of Identity - Applicants of IDBI Bank Imperium Platinum Credit Card have to submit their PAN Card as ID proof.
  2. Duly discharged COD (Confirmation of Deposits).
  3. A recent photograph.

Fees and Charges:

Type of Charge

Amount

Fee for joining

Rs.499

Annual fee for the add-on card

No charge

Fee for card renewal

No charge

Renewal fee for the add-on card

No charge

Interest charged on cash advance

2.90% per month

Interest charged on revolving credit facility

2.90% per month

Annual fee for the main card (this fee has to be paid from the 2nd year)

Rs.499

Overlimit charge

2.5% of the overlimit amount (Minimum - Rs.500)

Fee for cash advance

2.5% of the transaction fee (Minimum - Rs.300)

Fee for Auto Debit Return

Rs.225

Fee for late payment

If amount is below Rs.100, then no charge. If amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If amount is Rs.20,001 and above, then Rs.700 will be charged.

Processing fee for outstation cheque

If the value of cheque is up to Rs.5,000, then Rs.25 will be charged. If the value of cheque is more than Rs.5,000, then Rs.50 will be charged.

Limit enhancement

Rs.100

Card replacement fee

Rs.200

Cash processing fee

Rs.100

Cheque Return fee

Rs.225

Transactions made in Foreign Currency

Mark-up - 3.5% of the transaction amount

Fee for Charge slip or Charge back

Rs.125

Fee for Reward Redemption

Rs.99

Fee for Balance Transfer

Processing charge - 1.5% of the transferred amount (Minimum - Rs.199) For EMI - Normal interest rate will apply

Fee for duplicate statement

Rs.100

Charge for Account Closure

Rs.999 (will be charged only if the account is closed within a year of opening)

The above mentioned charges do not include GST as applicable.

Note - The rates/fees and charges can be changed at any time by the bank.

How to Apply?

To apply for an IDBI Bank Imperium Platinum Credit Card, you can either contact the IDBI bank credit card customer care number or leave your contact details on the website. You can also choose to visit any branch of the bank and apply for the card in person.

Apply For Credit Card on BankBazaar

FAQs on IDBI Bank Imperium Platinum Credit Card

  • How do I redeem the Delight Points of my IDBI Bank Imperium Platinum Credit Card?

    To redeem the Delight Points of your IDBI Bank Imperium Platinum Credit Card, you have to first register and activate your Delight Account. After you register, you can redeem the points for movie tickets, bus tickets, air tickets, mobile recharge, DTH recharge, hotel bookings, IDBI Gift Cards, Cash Back or for other rewards mentioned in the rewards catalogue.

  • I have applied successfully for an IDBI Bank Imperium Platinum Credit Card. By when will I receive the card?

    Once you have successfully applied for an IDBI Bank Imperium Platinum Credit Card, you will receive it within 7 working days.

  • What to do if I lose my IDBI Bank Imperium Platinum Credit Card?

    If you lose your IDBI Bank Imperium Platinum Credit Card, you must immediately report the same to the bank by contacting on its 24x7 Customer Care number. The bank will block your card and cover all the fraudulent transactions that were made after you placed the complaint.

  • Can I use IDBI Bank Imperium Platinum Credit Card to withdraw cash from ATMs?

    Yes, you can use IDBI Bank Imperium Platinum Credit Card to withdraw cash from any ATMs. You have to only make sure that the amount you withdraw is not more than your cash withdrawal limit.

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Credit Card Eligibility
  1. Credit Card Eligibility
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  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
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