IDBI Bank Credit Card

Below are the five IDBI Bank Credit Card variants:

Each credit card by IDBI Bank Credit Card comes with unique offerings and facilities. Here is an overview of the various features that have made IDBI Bank Credit Cards one of the top credit cards in the country:

• Earn Reward Points on Each Purchase: With IDBI Bank, you get maximum value on every purchase and transaction made on each card. You can earn delight points based on the usage of your credit card each month and also get special milestone privileges. You can redeem these reward points on some of the best products offered by premium brands. There is also the option of earning cashback on the points that you have earned.
• Global Acceptance: All IDBI Bank Credit Cards can be used for local and global transactions. These cards are accepted in more than 29 million outlets across the globe, including 9 lakh merchants in India alone.
• Zero Liability on Lost Cards: Providing complete security for customers is a priority with IDBI Bank Credit Cards. Even in case of lost or stolen cards, you have zero liabilities as the card can be blocked immediately. All you have to do is call the customer care within 24 hours of losing the card.
• Get Add on Family Cards: Your family members can also make use of the features and benefits of IDBI Bank Credit Cards. You can avail add-on cards for any family member who is able 18 years of age.
• Added Privileges: These credit cards are loaded with privileges to enhance customer experience. Make the most of features like priority lounge access, both domestic and international, and complete fuel surcharge waiver on fuel purchases.
• Insurance Options: You also have the advantage of air travel insurance with your IDBI Bank Credit Card. The limit provided depends upon the type of card that you have chosen.
• Visa, MasterCard and Rupay Cards Available: The advantage of multiple payment methods is available with IDBI Bank Credit Cards. You can choose Visa, MasterCard or Rupay cards as per your preference. All the offers provided by these payment channels on shopping, travel, car rentals, airfares and more are extended to customers of IDBI Bank Credit Cards.
• EMI Repayments: You can convert all the transactions above 3000 into EMIs to make the repayment more convenient and affordable.
• Balance Transfer: Any existing credit card balance with any organization can be transferred on to your IDBI Bank Card. This gives you the advantage of EMI repayment options as well as lower rates of interest.

Convenience and maximum value is ensured with any credit card under IDBI Bank. Here are some benefits that customers enjoy when they choose IDBI Bank Credit Cards:

• Easy Application: If you are looking at availing credit card facilities offered by IDBI Bank, you can apply for one through multiple options. You can apply online on the official IDBI Bank. You can also call the credit card customer care service or visit any IDBI Bank Branch to submit your application.
• Dedicated Customer Service: To answer all your queries and to address any grievances that you may have, there is a dedicated 24x7 customer care service available. You can call these toll free numbers at any time of the da for complete customers support.
• Multiple Payment Options: You will never have to worry about missing a payment on your IDBI Bank Credit Card. You have auto debit options along with several online and offline channels to make it simpler for you to repay any outstanding on your credit card.
• E-statement access: Customers will receive the e-statement each month on the registered mobile number. You can also access your e-statement through your IDBI Net banking or mobile banking account.
• Complete Safety and Security: To secure all transactions, the cards are PIN enabled and come with an EMV Chip. You can also block your card instantly in case of any suspected fraud or theft of the card.
• Cashback Options: Shop more and earn more with IDBI Bank delight point. These points can not only be redeemed against products of your choice but can also be availed as cash back on your card.
• Welcome E-Kit: To help customers understand how to make use of their credit card and manage their credit card account without any hassles, a detailed Welcome E-kit is provided with every IDBI Credit Card. This also helps you get more value on your card by understanding how to utilize the reward points and privileges offered on the card.

IDBI Bank Credit Card Charges 

To make sure that every customer has a card that is tailor made to suit his or her need, IDBI Bank includes several cards with unique features under its offerings. The credit cards that are currently available with IDBI Bank are as follows:

• IDBI Bank Royale Signature Card
• IDBI Bank Euphoria World Card
• IDBI Bank Aspire Platinum Card
• IDBI Bank Imperium Platinum Card
• IDBI Bank Winnings Card

Here are the details of all the unique features that are offered by each IDBI Bank credit card:

IDBI Bank Royale Signature Card Features 

• Enjoy 48 days of interest free credit to manage payments easily.
• Complete waiver of 1% fuel charges in all petrol pumps across India for transactions between Rs. 400 and Rs. 5,000.
• Get a maximum fuel surcharge waiver of Rs. 500 each month.
• Air travel insurance is available with coverage of up to Rs. 25 Lakhs.
• Get airport lounge access at select domestic airports.
• The card is globally accepted at over 29 million outlets and in 9 lakh outlets in India.
• Report any lost card to the credit card customer care within 24 hours. Any transactions after reporting the card will be covered by IDBI Bank.
• Get Add on cards for family members above 18 years of age. Delight points will be clubbed with primary card for added benefits.
• Enjoy all offers extended by Visa on travel, shopping, accommodation and more.
• Annual fees are waived off on transactions above Rs. 75000 in a year.

IDBI Bank Euphoria World Card Features

• Enjoy interest free credit period of up to 48 days.
• 1% fuel surcharge is waived off at all petrol pumps for transactions between Rs. 400 and Rs. 5,000 made on your IDBI Credit Card.
• You get insurance coverage of up to Rs. 25 Lakhs on Air Travel Accident.
• Priority Airport Lounge Access is available in select domestic airports.
• The card is accepted wat 9 lakh outlets in India and 29 million outlets across the globe.
• Get add on cards for any family member above 18 years of age. The delight points earned are clubbed with the ones earned on the primary credit card.
• Enjoy all the exclusive offers extended by MasterCard on travel, shopping and more.
• Annual fees are waived off on transactions above Rs. 1,50,000 in a year.

IDBI Bank Aspire Platinum Card Features

• Get an interest free credit period of up to 48 days.
• 1% fuel surcharge is waived off on transactions between Rs. 400 and Rs. 5,000 at petrol pumps across India.
• Enjoy international transactions at over 29 million outlets globally.
• All charges on lost or stolen card which is reported with 24 hours are covered by IDBI Bank.
• Get add on cards for family members above 18 years of age and club the delight points with the primary card.
• Visa offers on shopping, travel, accommodation are extended to customers.
• Annual fee is waived off on all transactions above Rs. 50,000 in a year.

IDBI Bank Imperium Platinum Card Features

• Get credit limit of up to 85% of existing Fixed Deposit.
• Cash withdrawal of up to 70% of the limit on your card is available.
• Get an interest free period of up to 48 days on all purchases made.
• You can pay the minimum amount due or the outstanding amount as per your convenience.
• The card is accepted globally at 29 million outlets.
• To block your lost card, you can call customer care services within 24 hours. Any transaction after reporting a
• lost card is covered by IDBI Bank.
• You can get an add on card for all family members above 18 years of age. 
• Delight points that are earned on these add-on cards are clubbed with the points on the primary card.
• Enjoy all offers provided by VISA including car rentals, hotel bookings etc.
• Annual fee is waived of on minimum spendings of Rs. 75,000 each year.

IDBI Bank Winnings Card Features

• Get an interest free credit period of up to 48 days.
• 1% fuel surcharge waiver is available on transactions between Rs. 400 and Rs. 5,000.
• Accidental Death Cover of 10 Lakhs available in case of death in an accident.
• Personal accident cover of Rs. 10 Lakhs available in case of any permanent disability in an accident.
• Personal accident coverage is available to individuals between 18 and 70 years of age.
• Enjoy lounge access at select airport lounges in India and abroad.
• Enjoy shopping and bookings with over 39.3 million merchants globally.
• To report a lost card, you can call credit card customer care. Any transaction after reporting a card is covered by IDBI Bank.
• Get add-on cards for family members above 18 years of age. Delight points on add-on card and primary card are clubbed for maximum benefits.
• Annual fees are waived off on transactions above Rs. 90,000 per year.

The eligibility criteria in order to apply for an IDBI Bank Credit Card are as follows:

• Primary card holder should be aged between 21 to 60 years (65 years for self-employed).
• Add-on card holder should be aged 18 years and above.
• Applicant should be a resident of India.

The above eligibility criteria are only indicative. The IDBI Bank reserves the right to approve or decline applications for Credit Card.

The documents required for these credit cards are as follows:

• Recent photograph
• ID Proof: Passport/ Voter ID/ Driving License/ Adhaar Card/ PAN Card.
• Address Proof: Telephone Bill/ Electricity Bill/ Passport/ Election Card/ Adhaar Card.
• Income Proof: Last 3 months salary slips/ last 3 months bank statements/ Form 16/ latest Income Tax Returns.
• For an Imperium Platinum Card, you are also required to provide a duly discharge confirmation of deposits.

There are various channels and sources available for you to get the IDBI Bank Credit Card of your choice. Some of the best and most convenient options available are:

Steps to Apply thorough Bank Website

• Open the official IDBI Bank Website
• Under Credit Cards, choose the card of your choice and click on the Apply Now option.
• Click on Help Us Contact You and fill in necessary details in the online form.
• A representative from IDBI Bank will get in touch with you once the application has been received.
• Provide the necessary documents.
• The card will be processed as per the application and the credit card will be issued within 7 days of the application being approved.
• You can also call the 24X7 customer care service to request for an application for the card of your choice.

Steps to Apply through My Money Mantra

• Log on to our official website and choose the Credit Card option.
• Choose the card of your choice and fill up the application form.
• Once the form has been submitted, you will be contacted by one of our representatives for formalities like documentation.
• After the application form is filled and submitted with the documents, the card will be issued within a few days of approval.

Steps to Apply Offline

• You can also apply for the credit card of your choice at any IDBI Bank Branch.
• Download the application form on the IDBI Bank Website.
• Fill the form and submit it along with the necessary documents to initiate the assessment.
• Once the card has been assessed and approved, you will receive it via post or courier in 7 days.

To make repayment more convenient, there are multiple payment options available for your IDBI Bank Credit Card:

• Auto Debit Facility:
  • You can authorize IDBI Bank to debit the payment automatically from any IDBI Bank current or savings bank account that you hold.
  • Net Banking:
  • Log in to your net banking account to make payments towards the outstanding amount on your credit card.
• NEFT:
  • Any charges due on your IDBI Bank card can be paid through any bank account that provides NEFT Facilities. The IDBI Bank credit card number is to be used as the beneficiary account number.
• Cheque or DD:
  • You can drop a cheque or demand draft at the drop boxes in IDBI Bank ATMs and Branches.
  • Visit any branch of IDBI Bank to make a direct cash payment towards your outstanding credit card amount.
• Visa Money Transfer:
  • You can use this facility to make payments through any other bank account.
• iPay:
  • This helps you make payments towards your IDBI Bank credit card through any other account.

For any queries, disputes or grievances related to the bill or credit card, you can call the 24 hour customer care service on:

• Toll free number: 18004257600
• Non-Toll Free Number- 022-40426013.

You can also send in your queries via email to idbicards@idbi.co.in