None.
.png)
IDBI Aspire Platinum
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 Delight point = INR 0.25.
Users will earn 6 Delight points for every 100 rupees spent related to travel and hotel, etc.
Travel+ Cashback rate: 1.50%.
3 Delight Points on every other spent.
General Cashback Rate: 0.75%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Air travel accident insurance coverage for free.
Lounge Access
Unlimited complimentary lounge visits at participating Airport lounges in India.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 Delight point = INR 0.25.
Users will earn 6 Delight points for every 100 rupees spent related to travel and hotel, etc.
Travel+ Cashback rate: 1.50%.
3 Delight Points on every other spent.
General Cashback Rate: 0.75%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Air travel accident insurance coverage for free.
Lounge Access
Unlimited complimentary lounge visits at participating Airport lounges in India.
Fees & Charges of
IDBI Aspire Platinum
Joining Fee
(Primary / Add-on Card): Nil
Annual Fee
Rs. 1499 (From second year onwards)
Cash Advance Fee
2.5% of transaction fee or Rs. 500/-, whichever is higher�
Interest rate
Interest Rate: 2.9% (p.m.)
Late Payment Fee
Late Payment Charges (per occasion, based on amount due):< = Rs. 500 – Nil > Rs.500 to <= Rs. 5000 – Rs.400 > Rs.5000 to < = Rs. 10000 - Rs.500 > Rs.10000 to < = Rs. 20000 - Rs.750 > Rs.20000 – Rs.950
Foreign Currency Transactions Fee
Foreign Currency Transactions mark- up 3.5%
Other Fees
Cash Advance Transaction Fee: 2.5% of transaction fee or Rs. 500/-, whichever is higher | Rewards Points Redemption Fee: Nil
Joining Fee
(Primary / Add-on Card): Nil
Annual Fee
Rs. 1499 (From second year onwards)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 2.9% (p.m.)
Late Payment Fee
Late Payment Charges (per occasion, based on amount due):< = Rs. 500 – Nil > Rs.500 to <= Rs. 5000 – Rs.400 > Rs.5000 to < = Rs. 10000 - Rs.500 > Rs.10000 to < = Rs. 20000 - Rs.750 > Rs.20000 – Rs.950
Foreign Currency Transactions Fee
Foreign Currency Transactions mark- up 3.5%
Other Fees
Cash Advance Transaction Fee: 2.5% of transaction fee or Rs. 500/-, whichever is higher | Rewards Points Redemption Fee: Nil
Fee and Charges of
IDBI Aspire Platinum
Special Features
Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
Add-on card holder should be 18 years and above
Should be a resident of India
Eligibility Criteria
Air Travel Accident Insurance Cover
Speical Feature, Eligibility and Benefits of
IDBI Aspire Platinum
How to apply for Credit Card?
Check the eligibility criteria.
The eligibility criteria for the IDBI Euphoria Credit Card are: Age: 21-60 years (salaried) or 65 years (self-employed) Minimum income: INR 25,000 per month (salaried) or INR 40,000 per month (self-employed) Good credit history
Gather the required documents.
The required documents are: A recent passport-size photograph Proof of identity (any of the following): Voter ID, passport, driving license, PAN card, Aadhaar card Proof of residence (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of income (any of the following): Latest 3 months' salary slip, latest 3 months bank statement, income tax returns (ITR)/Form 16
Apply online or offline.
You can apply for the card online through the IDBI Bank website or offline by visiting any IDBI Bank branch.
Submit your application.
Once you have gathered the required documents, you can submit your application online or offline.
Wait for the approval.
The bank will review your application and let you know the status within a few days.
If your application is approved, you will receive the card within 7-10 working days.
Contact Details
Call on our Phone Banking numbers - Toll Free -
1800 425 7600
Non Toll Free -
022 4042 6013(24x7 service)
Account Opening and Procedure of
IDBI Aspire Platinum
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The IDBI Bank Euphoria Credit Card is a suitable option for moderate spenders who value a general rewards program, fuel surcharge waiver, and accident insurance. The welcome bonus, airport lounge access (with minimum spend), and other benefits provide some value. However, the lower reward rate compared to premium cards, limited redemption options, lower point value, limited airport lounge access, and network limitation might discourage those seeking higher rewards, diverse redemption options, wider network coverage, or consistent airport lounge access.
The IDBI Bank Euphoria Credit Card is a suitable option for moderate spenders who value a general rewards program, fuel surcharge waiver, and accident insurance. The welcome bonus, airport lounge access (with minimum spend), and other benefits provide some value. However, the lower reward rate compared to premium cards, limited redemption options, lower point value, limited airport lounge access, and network limitation might discourage those seeking higher rewards, diverse redemption options, wider network coverage, or consistent airport lounge access.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai