IDBI Bank Aspire Platinum Credit Card Review

IDBI Bank Aspire Platinum Credit Card is a low-cost credit card designed for daily use. The main aspect of this card is reward benefits, you can earn reward points from your daily spends. You will also get some Visa offers like benefits on travel, concierge service, etc. This card also offers zero lost card liability, fuel surcharge waiver, lost card liability coverage, etc. Now let’s have a closer look at its benefits.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: The bank will let you know at the time of application. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The bank will let you know at the time of application.
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Welcome benefit:

If you made your first transaction within 30 days of the card issuance, you will get 500 reward points as a welcome gift. 

And if you make your first transaction within 31 to 90 days, you will get 300 reward points. 

The transaction amount should be ₹1500 or more. 

  • Reward benefit:

For each ₹150 spends on travelling, dining, shopping, or movies, you will get 2 reward points. 

These points can be redeemed into cash, (4 points is equals to ₹1). 

You can see your total earned reward points through net-banking. 

  • Fuel surcharge waiver:

You will get freedom from a 1% fuel surcharge across all petrol pumps.

To avail of this offer you have to transact between ₹400 to ₹4000, and you can save a maximum of ₹300 per month. 

  • Lost card liability coverage:

This card offers zero lost card liability, to avail the benefits of this offer you have to report the loss as soon as you realize the loss since it covers you against the fraud transaction that happens after your reporting. 

  • Visa Offer:

You will get more exciting offers on shopping at hotels, airports, etc. By your visa Platinum card. The Concierge services of this card will help you in your journey.

  • Global Acceptance:

You will be able to use your card at more than 9 lakh merchants in India and more than 29 million merchants outlet outside India.

  • Add-on facility:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members, and they can also enjoy the benefits of having a credit card. 

  • Security:

This card comes with a built-in EMV chip, it adds an extra layer of protection to your transactions. 

  • Interest-free period:

This card offers an interest-free credit period of 48 days. 

  • Online Bill payment: 

You can pay your card bills online very easily via Draft or Cheque, Net Banking, Visa money transfer, NEFT, Cash, Auto debit facility, and I pay, etc.


  • Cash Withdrawal Charge: 2.5% against the transaction amount, min ₹500. 
  • Finance Charge: 2.9% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800-209-4324

Mail: [email protected] 

100xGain Ratings:


Final Opinion:

If you want a low-cost credit card that can help you to earn decent reward points then this card can be a good option for you. It comes with zero joining and annual fee and offers 2 reward points for each ₹150 transactions, zero lost card liability, 1% waiver on fuel surcharge, and some travel-related benefits through Visa, so if you want to earn reward points then this card can be a good option for you. 

Since this is a free credit card, there is nothing to complain about, but there are some credit cards like Kotak Mahindra Wealth Management Credit Card,  or HSBC Premier MasterCard Credit Card, both card comes free of cost and offers several exclusive benefits.  

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