Welcome Benefit: Users will get a welcome bonus of 500 Delight points with a minimum single transaction of Rs 1500 within 30 days or 300 points between 31 to 90 days from the date of receiving the card.
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IDBI Imperium Platinum
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a welcome bonus of 500 Delight points with a minimum single transaction of Rs 1500 within 30 days or 300 points between 31 to 90 days from the date of receiving the card.
Milestone Benefits
None
Cashback Rate
The value of 1 Delight point is INR 0.25.
Users will earn 2 Delight points for every Rs. 150 spent on shopping, watching movies, travelling etc.
General Cashback Rate: 0.33%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Customers can enjoy credit limits as high as 85% of their Fixed deposits.
Customers can enjoy a higher cash withdrawal limit of up to 70% of their credit limit.
Zero lost card liability.; Fuel surcharge waiver.Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a welcome bonus of 500 Delight points with a minimum single transaction of Rs 1500 within 30 days or 300 points between 31 to 90 days from the date of receiving the card.
Milestone Benefits
None
Cashback Rate
The value of 1 Delight point is INR 0.25.
Users will earn 2 Delight points for every Rs. 150 spent on shopping, watching movies, travelling etc.
General Cashback Rate: 0.33%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Customers can enjoy credit limits as high as 85% of their Fixed deposits.
Customers can enjoy a higher cash withdrawal limit of up to 70% of their credit limit.
Zero lost card liability.; Fuel surcharge waiver.Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc.
Lounge Access
None.
Fees & Charges of
IDBI Imperium Platinum
Joining Fee
(Primary Card): Rs. 499
Annual Fee
– (Primary Card): Rs. 499
Cash Advance Fee
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 Fess (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
Rewards Points Redemption Fee: Nil
Joining Fee
(Primary Card): Rs. 499
Annual Fee
– (Primary Card): Rs. 499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 2.9% (p.m.)
Late Payment Fee
Late Payment Fess (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
Rewards Points Redemption Fee: Nil
Fee and Charges of
IDBI Imperium Platinum
Special Features
A high credit limit is available as this card is issued against a Fixed Deposit.
Eligibility Criteria
The Primary & Add-on cardholder should be 18 years and above.
Minimum eligible Fixed Deposit amount for issuance of Imperium Secured Credit Card is 20,000/- or its equivalent FCNR deposits.
Fixed deposit(s) held by HUF, Minor, NGO, Trust, Societies, Club, Partnership and Private & Public Ltd. companies; Third Party Fixed Deposit(s); FDs with sweep-out facility; Tax Savings FDs;and FDs in combination of INR & FCNR (foreign currency) shall not be eligible for availing Imperium Secured Credit Card facility.
Mode of operations - Singly, ‘Either/Anyone/Former or Survivor’ and not jointly operated accounts.
Speical Feature, Eligibility and Benefits of
IDBI Imperium Platinum
How to apply for Credit Card?
Check the eligibility criteria.
The eligibility criteria for the IDBI Imperium Platinum Credit Card are: Age: 18 years or above Minimum income: INR 20,000 per month Good credit history Fixed deposit of Rs. 20,000 or more with the IDBI Bank
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 address (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of fixed deposit (any of the following): Confirmation of deposit document duly discharged by the bank
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 Imperium Platinum
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The IDBI Bank Imperium Platinum Credit Card is a prestigious option for discerning individuals and frequent travelers who value unparalleled comfort, comprehensive travel protection, and top-tier rewards across most categories. The unlimited airport lounge access, global lounge passport, comprehensive travel insurance, and opulent welcome bonus solidify its luxurious appeal. However, the hefty annual fee, limited network, potentially lower point value, and lack of exclusive dining or experience redemptions might necessitate careful consideration for moderate spenders, those seeking wider network coverage, or individuals prioritizing specific redemption options.
The IDBI Bank Imperium Platinum Credit Card is a prestigious option for discerning individuals and frequent travelers who value unparalleled comfort, comprehensive travel protection, and top-tier rewards across most categories. The unlimited airport lounge access, global lounge passport, comprehensive travel insurance, and opulent welcome bonus solidify its luxurious appeal. However, the hefty annual fee, limited network, potentially lower point value, and lack of exclusive dining or experience redemptions might necessitate careful consideration for moderate spenders, those seeking wider network coverage, or individuals prioritizing specific redemption options.
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