IDBI Bank Imperium Platinum Credit Card

IDBI Bank Imperium Platinum Credit Card, a secured Visa-powered option, boasts a sign-up bonus of 500 Delight points for Rs 1500 spent in the first 30 days and 300 points for spending between 31-90 days. Additionally, earn up to 2 Delight points for every Rs 150 spent on shopping, travel, and movies with this exclusive credit card.

Key Highlights of IDBI Bank Imperium Platinum Credit Card

Unlock unparalleled benefits with the IDBI Bank Imperium Platinum Credit Card.

  1. Earn 500 Welcome Bonus Delight Points by spending Rs 1500 within 30 days of receiving your card.
  2. Get an additional 300 Welcome Bonus Delight Points for spending Rs 1500 between 31 to 90 days after card issuance.
  3. Enjoy 2 Delight Points for every Rs 150 spent on shopping, movies, and travel with your IDBI Imperium Platinum Credit Card.

Features and Benefits of IDBI Bank Imperium Platinum Credit Card

The IDBI Bank Imperium Platinum Credit Card offers several features and benefits:

1. Welcome Gift:

  • Earn 500 Delight Points with Rs.1,500 spend in the first 30 days.
  • Get 300 points between 30 and 90 days of card receipt.

2. Rewards:

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

3. Credit Limit:

  • Enjoy a credit limit up to 85% of the Fixed Deposit amount.

4. Cash Withdrawal Limit:

  • Avail up to 70% of the credit limit as cash withdrawal.

5. Exclusive Visa Offers:

  • Access exclusive offers on hotels, airport shopping, car rentals, etc.
  • Enjoy Visa’s travel concierge services.

6. Worldwide Acceptance:

  • Accepted by 9 Lakh+ merchants in India and 29 Lakh+ stores globally.

7. Welcome e-Kit:

  • Receive a digital welcome kit with card details, usage policy, MITC, etc.

8. Delight Points Redemption:

  • Redeem points for exciting offers from popular brands.

9. Add-on Cards:

  • Avail add-on cards for family with full primary card benefits.

10. Interest Free Period:

  • Enjoy up to 48 days interest-free credit period on transactions.

IDBI Bank Imperium Platinum Credit Card Fees and Charges

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

  1. Joining Fee (Primary Card): Rs. 499
  2. Annual Fee (Primary Card): Rs. 499
  3. Joining Fee (Add-on Card): Nil
  4. Annual Fee (Add-on Card): Nil
  5. Renewal Fee (Primary/Add-on Card): Nil
  6. Annual Fee Waiver: On spends exceeding Rs. 75,000/- in a year
  7. Interest on Revolving Credit Facility: 2.9% per month
  8. Cash Advance Fee: 2.5% of the transaction fee or Rs. 500/- (whichever is higher)
  9. Interest on Cash Advance: 2.9% per month
  10. Over Limit Charges: 2.5% of the over-limit amount, minimum Rs. 500
  11. Late Payment Fees (Per Occasion):
  • Rs. 0 for <= Rs. 500 due
  • Rs. 400 for > Rs. 500 to <= Rs. 5000 due
  • Rs. 500 for > Rs. 5000 to <= Rs. 10000 due
  • Rs. 750 for > Rs. 10000 to <= Rs. 20000 due
  • Rs. 950 for > Rs. 20000 due

Eligibility Criteria for IDBI Imperium Platinum Credit Card

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

  1. Applicants for Primary and Add-on cards must be 18 years or older.
  2. Minimum Fixed Deposit for the Imperium Secured Credit Card is 20,000/- or equivalent FCNR deposits.
  3. Ineligible Fixed Deposits include those held by HUF, Minor, NGOs, Trusts, Societies, Clubs, Partnerships, and Pvt./Public Ltd.
  4. companies; Third Party FDs; FDs with sweep-out, Tax Savings FDs, and INR & FCNR combination FDs.
  5. Imperium Secured Credit Card is available for accounts operated singly or under ‘Either/Anyone/Former or Survivor,’ not jointly.

Documents Required for IDBI Bank Imperium Platinum Credit Card

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

  1. Identification: Provide a copy of your PAN card as a valid ID proof.
  2. Photograph: Submit a recent photograph for official documentation.
  3. Financial Confirmation: Include the duly discharged Confirmation of Deposit(s) (COD) to verify your financial standing.

How to apply for IDBI Bank Imperium Platinum Credit Card?

Follow these steps to apply for the IDBI Bank Imperium Platinum Credit Card:

  1. Visit the nearest branch or apply through Phone Banking.
  2. Opt for Phone Banking application as an alternative.
  3. Choose the IDBI Imperium Platinum credit card and fulfill necessary formalities.
  4. Receive credit card details via SMS or email on your registered contact information.

Frequently Asked Questions (FAQs)

1. What is the IDBI Bank Imperium Platinum Credit Card?

The IDBI Bank Imperium Platinum Credit Card is a premium credit card offering a range of exclusive benefits, rewards, and privileges to enhance your lifestyle. It is designed to cater to the diverse needs of cardholders, providing a seamless and rewarding experience.

2. How can I apply for the IDBI Bank Imperium Platinum Credit Card?

You can apply for the IDBI Bank Imperium Platinum Credit Card through the official website of IDBI Bank or by visiting the nearest IDBI Bank branch. The application process typically involves filling out an online form, providing necessary documents, and meeting the eligibility criteria set by the bank.

3. What are the eligibility criteria for the IDBI Bank Imperium Platinum Credit Card?

Eligibility criteria may vary, but generally, applicants should have a good credit score, a stable source of income, and meet the age requirements set by IDBI Bank. Specific criteria can be obtained from the bank’s website or by contacting customer support.

4. What are the key features of the IDBI Bank Imperium Platinum Credit Card?

The IDBI Bank Imperium Platinum Credit Card offers features such as rewards on spending, airport lounge access, concierge services, fuel surcharge waiver, and more. It may also have special promotions and discounts with partner merchants.

5. What is the annual fee for the IDBI Bank Imperium Platinum Credit Card?

The annual fee for the IDBI Bank Imperium Platinum Credit Card is subject to change and is specified by the bank. It is advisable to check the current fee structure on the bank’s official website or by contacting customer service.

6. How does the rewards program work with the IDBI Bank Imperium Platinum Credit Card?

The rewards program typically allows cardholders to earn reward points for every eligible transaction made using the credit card. These points can be redeemed for a variety of benefits, including merchandise, travel, and gift vouchers. Details about the rewards program can be found in the card’s terms and conditions.

7. Can I convert purchases made with the IDBI Bank Imperium Platinum Credit Card into EMIs?

Yes, IDBI Bank often provides the option to convert high-value purchases into easy monthly installments (EMIs). The terms and conditions for EMI conversion, including interest rates and tenure, are usually available on the bank’s website.

8. How can I check my credit card statement for the IDBI Bank Imperium Platinum Credit Card?

Cardholders can access their credit card statements through the bank’s online banking portal or mobile app. Statements are generally available for viewing and downloading, providing a detailed breakdown of transactions, outstanding balances, and due dates.

9. Is there a customer helpline for the IDBI Bank Imperium Platinum Credit Card?

Yes, IDBI Bank provides a customer helpline for credit card-related queries and assistance. The contact details for customer support, including phone numbers and email addresses, can be found on the official website.

10. How can I report a lost or stolen IDBI Bank Imperium Platinum Credit Card?

In case of a lost or stolen credit card, it is crucial to report it immediately to prevent unauthorized transactions. Cardholders can contact the 24×7 customer support helpline provided by IDBI Bank to report the loss and request card blocking. Additionally, most banks offer online services to block cards through their official websites or mobile apps.