IDBI Bank Credit Card-Benefits & Features

By | July 6, 2021

IDBI Bank Credit Card offers some of the best credit cards in the Indian government sector. Here is a list of the Best IDBI Bank Credit Card, Benefits & Features. IDBI Bank is one of the largest commercial banks in India that offers credit cards to its customers. Here is everything you need to know about IDBI Bank Credit Card.

IDBI Bank Credit Card

IDBI Bank Royale Signature Credit Card

IDBI Bank Royale Signature Credit Card is a lifestyle credit card. This credit card offers the best in service and all the luxuries in life no matter where in the world. This card can be used for both India and abroad for lifestyle benefits. Here is the details of IDBI Bank Royale Signature Credit Card.

Charges

  • Joining Fees: Nil
  • Renewal Fees: Rs.1499
  • Add On Card: Nil
  • FX Charges: 3.5%
  • Annual Interest Rate (APR):2.5% P.M

Currently this credit card issued without any joining fees.

Welcome Gifts

  • 750 Delight Points: First usage of the card within 30 days days 
  • 400 Delight Points:  Usage of card between 31 to 90 days from the card issuance date
  • Min Transaction: Rs.1500

Benefits

  • Rewards Points : 3 rewards points on spends of Rs.100 (0.75%)
  • Rewards Points Value : 1 rewards = Rs.0.25

So the default rewards rate is 0.75%.

Airport Lounge Access

  • 4 complimentary access for Visa Signature cardholders every
  • Restricted to 1 access every quarter.
  • Only Domestic lounge access is allowed.
  • Here is a list of participating lounge

Other than Free lounge access, you can also avail paid access to these lounge.

Fuel Surcharge waiver

  • 1 % fuel surcharge Waiver
  • Transaction Should be between Rs.400 to Rs.5000.
  • Max Waiver Rs.500 Per Month

Insurance Cover

  • Air travel accident insurance- Rs.25 Lakhs

Zero Lost Card Liability

  • In Case , you have lost your credit card, you should report IDFC Credit card customer care No. 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free). The Bank will immediately block the card. If any transaction happen after the reporting, the bank will cover the loss, you will have no responsibility.

Add On Card

  • You can get a free IDBI Bank Royale Signature Credit Card for you, a family member, or your spouse. However, the only condition is that age should be above 18 years.

IDFC VISA offers

  • As all IDFC Credit cards are issued on the VISA platform, You will access the perk Offred by the VISA. VISA offers exclusive offers on airport shopping, hotel, car rentals, etc., which are provided for VISA Signature cardholders.

IDFC Bank Euphoria World Credit Card

IDFC Bank Euphoria World Credit Card
IDFC Bank Euphoria World Credit Card

IDFC Bank Euphoria World Credit Card is a travel credit card. This credit card provides you experience travel in the most amazing, convenient, and secure manner. There are no joining fees at all. Here is everything you should know about this credit card.

Charges

  • Joining Fees: Nil
  • Renewal Fees: Rs.1499
  • Add On Card: Nil
  • FX Charges: 3.5%
  • Annual Interest Rate (APR):2.9% P.M

Renewal fees is waived off, if you spends Rs.1,50,000 or more in the previous year.

Welcome Gifts

  • 4000 Delight Points: First usage of the card within 60 days days 
  • Min Transaction: Rs.1500
  • Renewal Benefits: 2,000 Delight Points every year when you pay your annual fee.

Benefits

  • Other Spends : 3 rewards points on spends of Rs.100 (0.75%)
  • Accelerated Spends : 3 rewards points on spends of Rs.100 (1.50%)
  • Rewards Points Value : 1 rewards = Rs.0.25

So the default rewards rate is 0.75%. and Accelerated rewards rate is 1.5%. Euphoria World Credit Card is the Travel Credit card. For getting accelerated benefits, you need to spends on  travel related expenses viz. Hotels, Airlines, IRCTC, Bus Bookings etc.

Airport Lounge Access

  • 4 complimentary access for Mastercard cardholders every year.
  • Restricted to 1 access every quarter.
  • Only Selected Domestic lounge access is allowed.
  • Here is a list of participating lounge

Fuel Surcharge waiver

  • 1 % fuel surcharge Waiver
  • Transaction Should be between Rs.400 to Rs.5000.
  • Max Waiver Rs.500 Per Month

Insurance Cover

  • Air travel accident insurance- Rs.25 Lakhs

Zero Lost Card Liability

  • In Case , you have lost your credit card, you should report IDFC Credit card customer care No. 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free). The Bank will immediately block the card. If any transaction happen after the reporting, the bank will cover the loss, you will have no responsibility.

Add On Card

  • You can get a free IDBI Bank Royale Signature Credit Card for you, a family member, or your spouse. However, the only condition is that age should be above 18 years.

MasterCard Offers

  • All offers from Master Card

IDBI Bank Aspire Platinum Card

IDBI Bank Aspire Platinum Card
IDBI Bank Aspire Platinum Card

IDBI Bank Aspire Platinum Card the rewards credit card, best suited for a person, who does a lot of shopping. There are no Joining and Annual Fees, so this credit card can part of your wallets.

Charges

  • Joining Fees: Nil
  • Renewal Fees: Nil
  • Add On Card: Nil
  • FX Charges: 3.5%
  • Annual Interest Rate (APR):2.5% P.M

Currently this credit card issued without any joining fees and renewals fees.

Welcome Gifts

  • 500 Delight Points: First usage of the card within 30 days days 
  • 400 Delight Points:  Usage of card between 31 to 90 days from the card issuance date
  • Min Transaction: Rs.1500

Benefits

  • Rewards Points : 2 rewards points on spends of Rs.150 (0.33%)
  • Rewards Points Value : 1 rewards = Rs.0.25

So the default rewards rate is 0.33%.The rewards rate is very low.

Fuel Surcharge waiver

  • 1 % fuel surcharge Waiver
  • Transaction Should be between Rs.400 to Rs.5000.
  • Max Waiver Rs.500 Per Month

Add On Card

  • You can get a free IDBI Bank Royale Signature Credit Card for you, a family member, or your spouse. However, the only condition is that age should be above 18 years.

Imperium Platinum Credit Card

Imperium Platinum Credit Card
Imperium Platinum Credit Card

Imperium Platinum Credit Card is a secured credit card issued against Fixed Deposit. This credit offered you an 85% Credit limit against Fixed Deposit. This is an entry-level credit card. Here is everything, you should know.

Charges

  • Joining Fees: Rs.499
  • Renewal Fees: Rs.499
  • Add On Card: Nil
  • FX Charges: 3.5%
  • Annual Interest Rate (APR):2.5% P.M

Renewal fees is waived off, if you spends Rs.75,000 or more in the previous year.

Welcome Gifts

  • 500 Delight Points: First usage of the card within 30 days days 
  • 300 Delight Points:  Usage of card between 31 to 90 days from the card issuance date
  • Min Transaction: Rs.1500

Benefits

  • Rewards Points : 2 rewards points on spends of Rs.150 (0.33%)
  • Rewards Points Value : 1 rewards = Rs.0.25

So the default rewards rate is 0.33%.

Bottomline

Here is list of Best IDFC Bank Credit Card

IDBI Bank Credit CardsAnnual Fee/Renewal FeeBest Suited For
IDBI Royale SignatureRs.1,499Lifestyle
IIDBI Euphoria WorldRs.1499Travel
IDBI Bank Aspire Platinum CardRs.499Shopping and Rewards
Imperium Platinum Credit CardNilRewards

As seen above IDBI Bank offer a credit card in four different categories including travel, shopping, reward points, and luxurious privileges. But if we compare all IDFC Bank credit cards with other Bank Credit cards, then these credit cards do not offer the best rewards. You can check Axis Bank ACE Credit card beat all the above credit card in terms of Cashback, rewards, and features.

FAQ

How to apply for IDBI Bank Credit Card Online?

Visit the official website of IDBI bank which is Https://www.idbibank.in/. Fill all the Application form and submit for application processing. You can also call IDBI customer care for online application. Application can also be filed by visiting IDBI Bank Branch.

What is IDBI Bank Credit Card Customer Care Number?

In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction after reporting the loss will be covered by the Bank.

What is IDBI Bank Credit Card Eligibility?

1.Primary holders of IDBI Bank Card have to be between 21 and 60 years old.
2. For self-employed people, the maximum age requirement is 65 years.
3. Holders of add-on cards have to be at least 18 years old.
4. The applicant must be an Indian resident.

What is IDBI Bank Credit Card Limit?

Credit limit of IDBI bank Credit card is decided on the basis of Income, Stability of Income, Income Source, Residentials address etc. However IDBI Bank Credit limit ranges from Rs.15,000 to Rs.5,00,00/

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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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