IDBI Bank Imperium Platinum Credit Card Review

There are so many credit cards available for the customers of IDBI Bank for their daily needs. IDBI Bank Imperium Platinum Credit Card is one of them. You can take this credit card against your fixed deposit. There are some delightful privileges available for the cardholders such as Big welcome gift, Reward benefit, Zero lost card liability coverage, Some good deals from Visa, etc. Let’s go deeper and discuss its benefits in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: This card can be issued against a minimum fixed deposit amount of ₹20,000. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: This card can be issued against a minimum fixed deposit amount of ₹20,000.
  • 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: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Welcome benefit:

If you can spend ₹1,500 within 30 days of card issuance, you will get 500 reward points. Also if you can spend the same within 31 to 90 days, you will get 300 reward points. The ₹1500 transaction should be done in a single transaction. 

  • Reward benefit:

If you spend Rs.150 you will get 2 delight points. These delight points are redeemable and you can redeem these through exclusive gifts and as Cash-Back. 

You can also redeem your delight points through mobile recharge, DTH recharge, movie tickets booking, bus tickets, air tickets bookings, hotel bookings, etc. 

  • Lost card liability coverage:

IDBI Bank offers zero lost card liability coverage with this card, This offer covers the fraud transactions that are done after reporting the loss. So you should report your loss of card as soon as you notice it. 

  • Visa benefit:

Through this card you will get some exciting benefits from Visa, like Big deals on shopping, hotel booking, also you will get a world-class Concierge service. 

  • Add-on Card:

You can add your loved ones with your card as an add-on member, and they can also enjoy the benefits of having a credit card. The minimum age of the add-on member should be 18 yrs.

  • Interest-free credit period:

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

  • Credit Limit:

You will get a credit limit of 85% of the fixed deposit amount. 

  • 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.

  • Security:

This card has a built-in EMV Chip, this chip is designed to add more security and convenience to your transactions.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹300
  • Finance Charge: 2.90% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800-209-4324

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are a beginner, or if you want a secured credit card to improve your credit score, then this card can help you. You can also reward points through this card, it offers zero lost card liability and you will get a big welcome gift with the issuance of the card. 

But this card does not feature some benefits like dining benefits, benefits on movies, fuel surcharge waiver, etc. So if you want to earn those extra benefits, then you can go for ICICI Coral Credit Card Against Fixed Deposit, and if you want a free credit card then you can Kotak Dream Different Credit Card.    

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