IDBI Bank Imperium Platinum Credit Card Review

The IDBI bank imperium platinum credit card is quite popular among Indians looking for their very first credit card. It is a secured credit card, which means you can get this credit card on fixed deposit or term deposit account. This card also lets you enjoy useful rewards with every transaction, a lower interest rate against revolving credit, and a high credit limit. more about the benefits of this idbi bank credit card are discussed below.

Who can apply for the IDBI imperium platinum card?

• Resident Type: Indian. 
• IDBI bank credit card eligibility criteria for salaried person:
  • IDBI credit card age requirement: 18 to 60 yrs. 
  • Income: You can get this credit card on fd. 
• IDBI credit card eligibility criteria for self-employed person:
  • IDBI credit card age requirement: 18 to 65 yrs. 
  • Income: You can get this credit card against fd.
• Min Fixed Deposit amount: Rs.20,000

You can apply for this card from the idbi bank credit card apply online portal. If the IDBI credit card application process is unfamiliar to you, then you can get some help from our faq page. 

What documents are required to apply for an idbi 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 (since it is a secured credit card, you won’t need to provide any)

What are the IDBI imperium credit card annual charges?

• IDBI bank credit card joining fee: Rs.499 + GST
• IDBI bank card annual fee: Rs.499 + GST

What are the IDBI imperium platinum credit card benefits?

• Get started with a huge joining bonus:

As you perform your first transaction within the first 30 days of your card activation, this idbi bank credit card offers you 750 Delight points. Also if you perform your first transaction (min Rs.1500) between 31 to 90 days of your idbi card activation, you will receive 400 Delight points.

• Make your every transaction rewarding:

For every Rs.150 spent on shopping, movies, and traveling, you can earn 2 idbi delight points. You can check your reward balance from your idbi credit card net banking account.

• Lost card liability coverage:

This IDBI fd based credit card is secured 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 no and you will no longer be liable for anything bad that may happen to your lost credit card. 

• Enjoy the convenience of a higher credit limit:

This idbi credit card offers up to 85% of your fixed deposit amount as your credit card credit limit. You will also get 70% of your fixed deposit amount as your credit card cash withdrawal limit.

• The perfect travel companion:

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

What are the idbi credit card charges?

Particulars	Chargeable amount
IDBI credit card cash withdrawal charges	2.5% against the amount, minimum Rs.300 (check your credit card limit before making a withdrawal)
IDBI credit card finance charge	2.5% monthly (applicable if your idbi credit card payment is not made in time)
IDBI credit card international transaction fee	3.5% against the transacted amount
IDBI card add-on card fee	None

How to contact the idbi credit card customer care department?

• Call the IDBI credit card customer care number: 1800-209-4324 (Toll-Free) / 1800 425 7600 (Toll-Free) or 022-6771-9100 or 022-4042 6013
• Write to the IDBI credit card customer care mail id: idbicards@idbi.co.in

100xGain Ratings: 

6.5/10

Pros and cons of the idbi bank credit card:

Pros	Cons
You can get this idbi credit card against fd. The interest rate on this card is quite low.	The idbi delight points are only offered in some selected categories.

Final Opinion:

For a beginner, this card idbi credit card is really helpful, especially because of its low-interest rate and the feature that allows you to get this credit card against fixed deposit. This card can also be helpful in improving a bad credit score.

But in terms of benefits, there is nothing much to mention about this IDBI fd credit card. It lets you earn reward points and this is the only kind of benefit you can get from this card. So if you are looking for awesome credit card benefits, then I would recommend you take a look at our best credit cards pages.

Alternative cards of the IDBI bank platinum card: 

1. Bandhan Bank Standard Chartered One Credit Card (Best for reward points) 
2. RBL Travel & Entertainment Credit Card (Best for reward and fuel benefits)
3. Chennai metro SBI card (Bets for travel benefits)