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Imperium Platinum

Product Details
Credit Card Name : 

Imperium Platinum

Bank Name :

IDBI Bank

Type :

Regular Credit Card

Interest Rate : 

2.9% (p.m.) i.e. 34.80% p.a.

Eligibility :

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.

Imperium Platinum
Pros
  • Customers can enjoy credit limit as high as 85% of their Fixed deposit(s). 

  • Customers can enjoy higher cash withdrawal limit up to 70% of their credit limit. 

  • Earn 2 Delight Points for every Rs. 150 spent on shopping, watching movies, traveling etc.  

  • Welcome bonus of 500 Delight Points also available. 

  • Enjoy interest free credit of up to 48 days Gobally accepted card.  

  • Zero lost card liability. 

  • Fuel surcharge waiver available.  

  • Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc.

Cons
  • No domestic/international airport lounge access facility. 

  • No cashback offers available.  

  • Joining fee is levied upon the users.  

  • Card issued against a customer's fixed deposit(s) held with IDBI Bank only.

Pros & Cons
Welcome Benefits
  • Welcome Bonus Point on minimum single transaction value of Rs. 1500/- done: within 30 Days of card receipt- 500 Points between 30-90 Days of card receipt- 300 Points

Rewards System
  • 1 Reward Point value = 0.25 Paisa.  

  • You will earn 2 Delight Points for every Rs. 150 spent on shopping, watching movies, traveling etc.

  • Effective Cashback Rate: 0.5% 

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features
  • High Credit limit available.

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.

Benefits
  • Welcome bonus of 500 Delight Points: You will get a welcome bonus of 500 Delight Points on the first usage of the card within 30 days. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more. 

  • Interest-free period of up to 50 days: You can enjoy an interest-free period of up to 50 days on your purchases. This means that you can pay for your purchases later without having to pay any interest. 

  • Earn 4 Delight Points for every Rs. 100 spent: You will earn 4 Delight Points for every Rs. 100 you spend on all eligible purchases. 

  • 1% fuel surcharge waiver: You will get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000. This means that you can save money on your fuel expenses. 

  • Zero liability protection: In case your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card. 

  • Rewards program: You will earn Delight Points on every purchase you make with your card. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more.

Speical Feature, Eligibility and Benefits
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
Imperium Platinum

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

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

Product Review
Fees & Charges
  • Joining Fee - (Primary Card): Rs. 499 

  • Annual Fee – (Primary  Card): Rs. 499 

  • Cash Advance Fee: 2.5% of transaction fee or Rs. 500/-, whichever is higher 

  • Interest Rate: 2.9% (p.m.) 

  • 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 mark- up: 3.5% 

  • Rewards Points Redemption Fee: Nil

Fuel Surcharge

Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)

Billing Cycle

30 Days

Fees & Charges
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