IDBI Bank Aspire Platinum Credit Card Review

The IDBI Bank aspire platinum card is quite popular among Indians looking for their very first credit card. It comes with zero joining and annual fee and features a low-interest rate against revolving credit which makes it useful for beginners. 

Apart from that, this card offers useful rewards on credit card usage and handsome monthly fuel surcharge waivers. You can find more about the benefits of this platinum visa card from the details given below.

Who can apply for the IDBI Bank aspire credit card?

  • Resident Type: Indian. 
  • IDBI credit card eligibility criteria for salaried person:
    • IDBI credit card age limit: 21 to 60 yrs. 
    • Income: The bank will let you know at the time of application. 
  • IDBI bank credit card eligibility criteria for self-employed person:
    • IDBI credit card age requirement: 21 to 65 yrs. 
    • Income: The bank will let you know at the time of application.
  • A CIBIL score of 680+ is needed to apply for this IDBI platinum credit card.

You can apply for this card from the idbi bank credit card apply online portal. After your application gets submitted, you can track your credit card application status using your application id. The complete process can be found on our idbi card faq page.

What documents are required to apply for an idbi bank credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • 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. 

What are the IDBI Bank aspire platinum credit card fees?

  • IDBI credit card joining fee: None. 
  • IDBI credit card annual fee: None.

What are the IDBI Bank aspire platinum credit card benefits?

  • Get started with a huge joining bonus:

As you perform your first credit card transaction within the first 30 days of your idbi card activation, you will receive 500 Delight points. Also if you perform your first transaction between 31 to 90 days of your credit card pin generation, you will receive 300 idbi delight points.

  • Make every transaction rewarding:

For each Rs.150 spent on traveling, dining, shopping, or movies, your idbi bank credit card offers 2 reward points. These points can be redeemed into cash, (4 points = Rs.1). 

  • Earn attractive IDBI credit card fuel surcharge waivers:

This idbi credit card offers a 1% fuel surcharge waiver across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.4000 and you can earn a maximum of Rs.300 waiver in a credit card billing cycle.

  • Lost card liability coverage:

This idbi bank credit card comes with a complimentary lost card liability coverage, which means if your card ever gets lost or stolen, you just have to report it by calling the idbi credit card customer care number and you will no longer be liable for anything bad that may happen to your credit card account

  • Enjoy attractive deals from Visa:

This idbi credit card also caters to some exclusive visa privileges on shopping at airports, car rentals, hotel bookings, etc.

  • The perfect travel companion for you:

You will be able to use your idbi credit card at more than 9 lakh merchants in India and more than 29 million merchants outside India where visa credit cards are accepted.

What are the idbi credit card charges?


Chargeable amount

Credit card atm withdrawal charges 2.5% against the amount, min Rs.500 (check your idbi credit card limit before making a withdrawal) 
IDBI aspire credit card finance charge The IDBI credit card interest rate can go up to 2.9% monthly (applicable if your idbi credit card payment is not made in time)
IDBI credit card international transaction charge 3.5% against the amount
IDBI bank card add-on card fee None

How to contact the idbi bank credit card customer care department?

  • Call the idbi credit card contact number: 1800-209-4324 (Toll-Free) / 1800 425 7600 (Toll-Free) / 022-6771-9100 or 022-4042 6013
  • Write to the idbi bank credit card mail id: 

100xGain Ratings: 


Pros and cons of the IDBI platinum credit card:



  • It is a lifetime free credit card.
  • This idbi credit card offers a low-interest rate against revolving credit.
  • This idbi credit card does not feature any discount on dining or movies.
  • The IDBI credit card points are only offered in some selected categories.

Final Opinion:

If you are planning to get your very first credit card, then this card can be helpful for you. especially because of its low maintenance cost and low-interest rate. This card also offers  useful credit card reward points with credit card usage and some attractive fuel surcharge waivers.

But if you want to earn benefits from your card then this card is not for you. In this case, I would recommend you take a look at the alternative options given below. You can also visit our best no annual fee credit cards page.

Alternative cards of the IDBI visa platinum credit card: 

  1. American Express SmartEarn Credit Card (Best for reward points) 
  2. IDBI Bank Royale Signature Credit Card (Best for reward points)
  3. Kotak Mahindra Silk-inspired Credit Card (Best for reward points)

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