IDBI Aspire Platinum Credit Card

Discover a world of perks with the IDBI Bank Aspire Platinum credit card. Unleash exclusive lifestyle privileges on every purchase, earning 2 Delight points for every Rs 150 spent on shopping, dining, and travel. Plus, enjoy a bonus of 500 delight points for transactions exceeding Rs 1500 in the initial 30 days. With an additional 300 delight points for spends between 31 to 90 days, this card offers continuous rewards. Experience added advantages like a fuel surcharge waiver, zero liability protection, and convenient EMI options. Elevate your financial experience today.

Key Highlights of IDBI Aspire Platinum Credit Card

Unlock unparalleled benefits with the IDBI Aspire Platinum Credit Card.

  1. Card Type: Entry-level
  2. Best Suited for: Rewards
  3. Joining Fee: Nil
  4. Renewal Fee: Nil
  5. Welcome Benefits: Earn 500 Delight points with the first card usage within 30 days
  6. Best Feature: Get 2 Delight points for every Rs. 150 spent

Features and Benefits of IDBI Aspire Platinum Credit Card

The IDBI Aspire Platinum Credit Card offers several features and benefits:

1. Welcome Gift:

  • Receive 500 reward points on your first transaction within 30 days or 300 points between 31-90 days.
  • Minimum spend of Rs. 1500 on the first transaction required to avail the offer.

2. Reward Points:

  • Earn 2 points for every Rs. 150 spent, enhancing your experience in movies, dining, and shopping.

3. Fuel Surcharge Waiver:

  • Enjoy a 2.5% surcharge waiver on fuel transactions ranging from Rs. 400 to Rs. 4000.
  • Maximum waiver of Rs. 300 per month.

4. Visa Offers:

  • Access exclusive VISA Platinum offers on airport shopping, car rentals, and hotels.

5. Concierge Services:

  • Benefit from VISA’s concierge services for travel-related assistance.

6. Supplementary Cards:

  • Extend Aspire Platinum benefits to family members above 18 with add-on cards.
  • Combine reward points from add-on cards with the primary card.

7. Interest-Free Credit Period:

  • Enjoy a credit period of up to 48 days on purchases, with flexible payment options.

8. International Acceptance:

  • Widely accepted globally at over 29 million establishments and 9 lakh merchants in India.

9. EMV Chip and PIN Security:

  • Enhanced security with an embedded microchip.
  • PIN verification for all transactions adds an extra layer of protection.

10. Lost Card Liability:

  • Report lost cards to IDBI customer care immediately.
  • IDBI covers fraudulent charges reported after the loss.

IDBI Aspire Platinum Credit Card Fees and Charges

Explore the fee structure for the IDBI Aspire Platinum Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: No joining fee.
  2. Renewal Fee: No renewal fee.
  3. Spend Based Waiver: Not applicable.
  4. Rewards Redemption Fee: No fee for rewards redemption.
  5. Foreign Currency Markup: 3.5% on the converted amount.
  6. Interest Rates: Monthly: 2.9% (34.8% per annum).
  7. Fuel Surcharge: 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000.
  8. Cash Advance Charges: 2.5% on withdrawal amount, minimum Rs 500.
  9. Add-on Card Fee: No fee for add-on cards.

Eligibility Criteria for IDBI Aspire Platinum Credit Card

Here are essential criteria for applying for an IDBI Aspire Platinum Credit Card:

  1. Primary cardholder age requirement: Between 21 to 60 years (65 for self-employed).
  2. Add-on cardholder age: 18 years and above.
  3. Applicant must be a resident of India.

Documents Required for IDBI Aspire Platinum Credit Card

To apply for the IDBI Aspire Platinum Credit Card, you will typically need to provide the following documents:

  1. ID Proof options: Choose from Voter ID, Passport, Driving License, PAN card, or Aadhaar Card.
  2. Residence Proof alternatives: Provide Electricity or Telephone Bill, Election Card, Passport, or Aadhaar Card.
  3. Income Proof requirements: Submit either the latest 3 months’ Salary Slip, Bank Statement, Income Tax Returns (ITR), or Form 16.
  4. Include a recent photograph along with your documentation.

How to apply for IDBI Aspire Platinum Credit Card?

Follow these steps to apply for the IDBI Aspire Platinum Credit Card online:

  1. Visit the Official Website:
    Go to the official IDBI Bank website.
  2. Navigate to Credit Cards Section:
    Look for the “Credit Cards” section on the website.
  3. Find Aspire Platinum Credit Card:
    Locate the Aspire Platinum Credit Card among the available options.
  4. Check Eligibility:
    Review the eligibility criteria to ensure you meet the requirements.
  5. Complete the Online Application Form:
    Fill out the online application form with accurate personal and financial details.
  6. Submit Documents:
    Upload the necessary documents, such as identity proof, address proof, income proof, and passport-sized photographs.
  7. Review Terms and Conditions:
    Carefully read and understand the terms and conditions associated with the credit card.
  8. Submit the Application:
    Once all information is entered correctly and documents are uploaded, submit the application.
  9. Verification Process:
    IDBI Bank will initiate the verification process to assess your eligibility.
  10. Wait for Approval:
    Patiently wait for the bank’s decision on your credit card application.
  11. Receive the Card:
    If approved, you will receive the IDBI Aspire Platinum Credit Card at the address provided in the application.

Frequently Asked Questions (FAQs)

Q1: What is the IDBI Aspire Platinum Credit Card?
A1: The IDBI Aspire Platinum Credit Card is a credit card offered by IDBI Bank. It comes with various features and benefits designed to cater to the diverse needs of cardholders.

Q2: What are the key features of the IDBI Aspire Platinum Credit Card?
A2: The key features include reward points on every purchase, fuel surcharge waiver, attractive interest rates, global acceptance, and access to exclusive lifestyle privileges.

Q3: How can I apply for the IDBI Aspire Platinum Credit Card?
A3: You can apply for the IDBI Aspire Platinum Credit Card online through the official IDBI Bank website or by visiting a nearby IDBI Bank branch.

Q4: What is the eligibility criteria for the IDBI Aspire Platinum Credit Card?
A4: The eligibility criteria typically include a minimum age, income requirement, and a good credit score. Specific details may vary, and it’s advisable to check with IDBI Bank for the latest eligibility criteria.

Q5: How can I check the status of my IDBI Aspire Platinum Credit Card application?
A5: You can check the status of your credit card application online through the IDBI Bank website or by contacting the bank’s customer service.

Q6: What is the credit limit on the IDBI Aspire Platinum Credit Card?
A6: The credit limit is determined by IDBI Bank based on various factors such as your income, credit history, and other financial aspects.

Q7: How do I earn and redeem reward points on this credit card?
A7: You can earn reward points on every eligible purchase made with the card. These points can be redeemed for a variety of options, including merchandise, vouchers, and discounts. Details on the rewards program can be found in the card’s terms and conditions.

Q8: Does the IDBI Aspire Platinum Credit Card offer any travel benefits?
A8: Yes, the card may offer travel benefits, including access to airport lounges, travel insurance, and discounts on hotel bookings. Check the card’s terms and conditions for specific details.

Q9: What should I do if my IDBI Aspire Platinum Credit Card is lost or stolen?
A9: In case of loss or theft, immediately contact the IDBI Bank customer service helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

Q10: Are there any annual or hidden fees associated with the IDBI Aspire Platinum Credit Card?
A10: The card may have an annual fee, and other charges may apply. It’s recommended to review the card’s terms and conditions or contact IDBI Bank for detailed information on fees and charges.