IDBI Bank announced its entry into the credit card industry in 2014 and has a total of 5 credit cards in its portfolio, each having different exciting benefits. As of June 2024, the bank has a total of 36,000+ outstanding credit cards, and the number is increasing every day. You can find the list of all IDBI Credit Cards below and choose any one of them according to your requirements/spending behavior. To understand detailed features and other necessary details of all the IDBI Credit Cards, keep reading the article:
Table of ContentsHave a look at all the IDBI Bank Credit Cards.
500 Welcome bonus on the spending Rs 1500 within 30 days of card issuance and 300 Delight point on spending between 31 days to 90 days
750 Delight Points if the first transaction of minimum Rs. 1,500 is made with 30 days of card issuance or 400 Delight Points if the first transaction of minimum Rs, 1,500 is made between 31 and 90 days of card issuance.
500 delight points on spending Rs 1500 or above in the first 30 days of issuance of the card and 300 delight points on the spending of Rs 1500 or above in 31 to 90 days of the issuance of the card.
Though IDBI is not that popular in terms of credit card services, it offers some really exclusive cards ranging from premium to basic categories. These cards offer a wide array of advantages across different categories, and the following are some of the general features and benefits that you may get with an IDBI Credit Card:
As mentioned above, the IDBI Bank only offers 5 credit cards as of now. All the top credit cards offered by IDBI are given below with their detailed features and benefits. You can check them out and choose one according to your requirements:
This is a premium credit card issued by IDBI Bank. With this card, you earn 2 Delight points on every Rs 100 spent on travel-related expenses. Hotels, Airlines, IRCTC, Bus Bookings. Also, you get 3 Delight points on every Rs 100 spent on other categories. Some of the key features of this credit card are mentioned below.
IDBI Euphoria World credit card is an entry-level card that comes with several benefits and privileges with no joining fee. With this credit card, you get a welcome benefit of 4000 delight points on the joining fee payment. Given below are some key features of the IDBI Euphoria World credit card.
IDBI Bank Royale Signature credit card is a very basic card that comes with some value-added benefits and privileges. With this card, you complimentary domestic lounge access and personal accident cover of Rs 25 lakhs. Some key features of this credit card are mentioned below.
This card rewards you with exclusive delight points. You get upto 500 delight points on spending Rs 1500 or above in the first 30 days of the card issuance. Also, you get 300 delight points on the spending of Rs 1500 or above 31 to 90 days of the issuance of the card. Given below are some key features of the IDBI bank credit card.
The Imperium platinum credit card is a Rupay-powered credit card. The card provides you with 2 Delight points on every Rs 150 spent using this credit card. You get 500 welcome bonus points on the payment of the membership fee. Mentioned below are some key features related to IDBI Bank Imperium Platinum credit card.
Different credit cards issued by IDBI come with different reward rates. The varying reward rate is generally because of the different fees charged by these cards. Cards having a higher annual fee will most probably offer a higher reward rate compared to a card that has a lower fee. Moreover, the reward rate may also vary for different categories. The following table will make you understand the reward rates of all the IDBI Credit Cards clearly:
| Credit Cards | Reward Points |
| IDBI Bank Royale Signature Credit Card | 2 Delight Points on every Rs 100 spent 3 Delight Points for every Rs. 100 spent |
| IDBI Bank Euphoria World Credit Card | 3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc |
| IDBI Bank Aspire Platinum Credit Card | 2 Delight Points for every Rs. 150 spent on shopping, watching movies, traveling etc |
| IDBI Bank Imperium Platinum Credit Card | 2 Delight points for every Rs 150 spent on shopping, dining, traveling |
| IDBI Bank Winnings Credit Card | 2 Delight Points on every Rs 100 spent |
The reward points accumulated on IDBI Bank credit cards can be redeemed at the IDBI Delight reward portal at www.idbidelight.com or Max Get More merchant outlets. 1 Reward Point is equivalent to Rs 0.25 for redemption for all IDBI Bank credit cards. You are charged with any redemption fee of Rs 100 on reward redemption A minimum of 1000 reward points can be redeemed using your IDBI Bank credit card.
When choosing a credit card for yourself, you will have to compare different credit cards on the basis of different factors and the annual fee is one of the most important factors to be considered in such situations. Different IDBI Cards come with different annual fees so that people can choose a card according to their requirements. People who have a higher annual income should prefer high annual fee cards and those who have an average income should go for the basic ones. You can check the joining and annual membership fee of all the IDBI Bank Credit Cards in the following table:
| Credit Card | Joining Fee | Annual Fee |
| IDBI Bank Royale Signature Credit Card | Nil | Nil |
| IDBI Bank Euphoria World Credit Card | Nil | Rs. 1,499 |
| IDBI Bank Aspire Platinum Credit Card | Nil | Nil |
| IDBI Bank Imperium Platinum Credit Card | Rs. 499 | Rs. 499 |
| IDBI Bank Winnings Credit Card | Nil | Rs. 899 |
Other than the joining & annual fee, IDBI Credit Cards have a lot more charges associated with them. Many people generally ignore all these charges while applying for a credit card, but this should not be done. You should go through all the fees that might be charged on the card you are going to apply for. Some of the most important fees and charges associated with IDBI Bank Credit Cards are as follows:
| Interest Rate | 2.5% per month on Royale Signature Credit Card, 3.4% per month on Winnings, and 2.9% per month on all other cards. |
| Cash Advance Fee | 2.5% of the withdrawn amount or Rs. 500 (whichever is higher) |
| Forex Markup Fee | 3.5% of the total transactions amount |
Like every other major card issuer in the country, the IDBI Bank also has certain eligibility criteria that the applicants will have to fulfill in order to get a credit card from the bank:
For more detailed information about IDBI Bank credit Cards’ eligibility criteria, click here.
You will also need a few documents while applying for a credit card from IDBI Bank. The following table contains the list of all the required documents:
The IDBI Bank provides its customers with the options to apply for a credit card online as well as offline as per their comfort. To apply offline, you can visit your nearest IDBI branch and apply for a card by filling in the offline application form and submitting all the required documents. And, to apply online for the same, you can visit the IDBI Bank’s official website, and select the ‘Credit Cards’ option under ‘cards.’ Now, choose the card you want to apply for and go through its detailed features & benefits, and terms & conditions. Now, scroll down to find different ways to apply for the card.
If you have already applied for an IDBI Credit Card, you can track the status of your application by contacting the bank’s customer care or by visiting your nearest branch. Just provide the bank officials with the required details like your application number, PAN number, etc, and they will let you know the progress in your application.
For more ways to check your credit card application status, visit this page.
After receiving your new IDBI Bank Credit Card, you will have to activate it before using it for your purchases. Following are the different ways to activate your credit card issued from IDBI Bank:
For detailed steps to activate your IDBI Card, click here.
To provide its customers with more convenient ways of banking, the IDBI Bank offers net banking. services to them. You can also register your IDBI Credit Card for internet banking by following a few steps as mentioned below:
For more detailed steps for registering/logging into IDBI internet banking, click here.
For any queries/complaints regarding your IDBI Bank Credit Cards, you can contact the bank’s customer care executives at the following contact details:
Click here for more details on IDBI Credit Card customer care.
The IDBI Bank offers two-lifetime free credit cards, which are: IDBI Royale Signature Credit Card and IDBI Bank Aspire Platinum Credit Card. Both the cards are basic ones and are best suited for people who are new to credit cards and want to start their journey with minimal charges. With these cards, you get a decent reward rate and a few more privileges across different categories. Therefore, if you are looking for a basic card to start your credit journey, you must go with any of these.
