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IDBI Aspire Platinum

उत्पाद विवरण
क्रेडिट कार्ड का नाम

IDBI Aspire Platinum

Bank Name :

IDBI Bank

प्रकार

Lifestyle Credit Card

ब्याज दर

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

पात्रता

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

IDBI Aspire Platinum
पेशेवरों
  • Welcome gift of 300 reward points available for new users. 

  • Enjoy interest free credit of up to 48 days. 

  • Fuel surcharge waiver available.  

  • Gobal acceptance of the card.  

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

  • Life time free card.  

  • No Reward Redemption fees.

दोष
  • No domestic/international airport lounge access facility. 

  • No cashback offers available.

पक्ष विपक्ष
Welcome Benefits

Welcome gift of 500 Delight Points on first usage of the card within 30 days or 300 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is 1,500.

पुरस्कार प्रणाली
  • 1 Reward Point value = 0.25 Paisa.  

  • Users will earn 2 Delight Points for every 150 spent by their using your Aspire Platinum Card.  

  • Effective Cashback Rate: 0.5%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

IFM- upto 3.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
  • Customers will be eligible for exclusive offers on airport shopping, hotel,car rentals etc.

Eligibility Criteria

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

फ़ायदे
  • 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.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • Check the eligibility criteria. 

  • The eligibility criteria for the IDBI Aspire Platinum 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.

सम्पर्क करने का विवरण

Call on our Phone Banking numbers - Toll Free - 1800 425 7600 Non Toll Free - 022 4042 6013(24x7 service)

खाता खोलने की प्रक्रिया और प्रक्रिया
IDBI Aspire Platinum Credit Card

The IDBI Aspire Platinum Credit Card is a tempting option for high-flying spenders and frequent travelers who value the absolute convenience of unlimited airport lounge access, comprehensive travel insurance, and top-tier rewards across most categories. The generous welcome bonus, fuel surcharge waiver, movie ticket offers, and complimentary add-on card further add value. However, the hefty annual fee, limited network, limited point redemption options, and potentially lower point value might not be ideal for moderate spenders, those seeking wider network coverage, diverse redemption options, or the highest possible point value redemption.

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

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विशेष विशेषता, पात्रता और लाभ
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फीस एवं प्रभार
  • Joining Fee - (Primary / Add-on Card): Nil 

  • Annual Fee – (Primary / Add-on Card): Nil 

  • Cash Advance Fee: 2.5% of transaction fee or 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

ईंधन अधिशुक्ल

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

फीस एवं प्रभार
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