Imperium Platinum Credit Card

Features and Benefits

	Credit Limit Enjoy credit limit as high as 85% of your Fixed deposit(s).
	Cash withdrawal Limit Enjoy higher cash withdrawal limit up to 70% of your credit limit.
	Earn more while you spend The Imperium Platinum Credit Card is your exchequer. You will earn 2 Delight Points for every 150 spent on shopping, watching movies, traveling etc. So shop till you drop with your Imperium Platinum Credit Card and earn Delight Points which can be redeemed against irresistible offers from globally renowned brands. The card comes with a welcome bonus of 500 Delight Points. Earn your free Delight Points with a minimum single transaction of 1500 using your Imperium Platinum Credit Card within 30 days or 300 points between 30-90 days from the date of receiving your card.
	Interest Free Credit Enjoy interest free credit of up to 48 days* on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due. *Refer MITC for more details
	Wider Acceptance Get more freedom with your Platinum Credit Card. You can use it at over 9 lakh merchants in India and over 29 million merchants abroad.
	Zero Lost Card Liability 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.
	Family Cards Make IDBI Bank your family Bank by gifting your family members (only for members above 18 years) an add-on Imperium Platinum Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Delight Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the higher eligibility.
	VISA offers Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. which are provided for Imperium Platinum cardholders. Customers can enjoy travel concierge services provided by VISA for their travel related services. These offers are provided by VISA and may change as per VISA’s discretion from time to time without any prior notice. For more details please click here

Fees and Charges:

Type of Fee	Charges (Amount / %)
Joining fee*	499/-
Annual fee – Main card (from second year onwards)*	499/- [would be waived on minimum spent of 75000/- in a year]
Renewal fee*	Nil
Annual fee – add on card*	Nil
Renewal fee – add on card*	Nil
Interest on revolving credit facility (p.m.)*	2.90%
Cash advance transaction fee*	2.5% of transaction fee or 300/-whichever is higher
Interest on cash advance (p.m.)*	2.90%
Late payment fees (per occasion, based on amount due)*	Less Than 100- Nil, 100 to 500 - 100, 501 to 5000 - 400, 5001 to 20K-  500, >20001 - 750
Over limit charges*	2.5% of over limit amount subject to minimum of 500
Return of cheque*	225
Auto Debit Return Fee*	225
Outstation cheque processing fee*	Up to 5000, fee will be 25
	Above 5000, fee will be 50
Replacement card*	200
Cash processing fee*	100
Duplicate statement request*	100
Charge slip /Charge back request*	125
Limit enhancement*	100
Foreign Currency Transactions*	Mark-up of 3.5 % of transaction amount
Reward Redemption Fees*	99
Balance Transfer Fees*	BT Processing charges: 1.5% of BT amount or 199 whichever is higher; Normal interest rate for EMI will apply
Card Account Closure Charge*	999, If closed within one year of issuance

The above charges are exclusive of GST

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.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

• • ID Proof : PAN card
• • Recent Photograph
  
• • Duly discharged Confirmation of Deposit(s) (COD)

The above list is only indicative and documents required may vary on a case to case basis.