Imperium Platinum Credit Card

IDBI Bank Credit Cards Banner IDBI Bank Credit Cards Banner

IDBI Bank Credit Cards
The Smart way to spend

  • 2 Delight Points on each Rs. 150 spent
  • Hassle Free Documentation
  • Higher Credit and Cash Advance Limit

About The Card

IDBI Bank Imperium Platinum Credit Card is a secured credit card issued on the VISA platform. With this card one can avail Credit Card facility against their own Fixed Deposit(s).

For further details call Customer Care at 1800 425 7600 (Toll Free) or 022 - 4042 6013 (Call Charges Applicable) or visit the nearest IDBI Bank branch.

Credit Card Welcome e-Kit

The digitised Credit Card Welcome e-Kit is IDBI Bank’s constant endeavor towards the Go Green initiative. This e-Kit provides the cardholder with detailed information regarding Card Usage, Cardholders Agreement and Most Important Terms & Conditions (MITC), in a downloadable PDF format.

Card Usage Guide
Cardholders Agreement
Most Important Terms & Conditions (MITC)
FAQs on Imperium Credit Card
Features and Benefits

Enjoy credit limit as high as 85% of your Fixed deposit(s).

Enjoy higher cash withdrawal limit up to 70% of your credit limit.

The Imperium Platinum Credit Card is your exchequer. You will earn 2 Delight Points for every Rs. 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 Rs. 1500 using your Imperium Platinum Credit Card within 30 days or 300 points between 31 - 90 days from the date of receiving your card

*Delight points would be accrued only on transactions except the ones exempted from delight points accrual. Refer the exempted transaction categories here.

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

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.

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.

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.

Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. which are provided for Imperium Platinum cardholde Rs. 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

Waiver of 1%* fuel surcharge every time you fill fuel using IDBI Bank Aspire Platinum Card across all fuel stations for transactions in the range of 400 to 4000. So keep driving and enjoying with friends and family. *Maximum waiver of upto 300 per month.

Card Fees and Charges
Type of Fees / Charges Amount / %
Joining Fee - (Primary Card) Rs. 499
Annual Fee – (Primary  Card) Rs. 499
Joining Fee – (Add-on Card) Nil
Annual Fee – (Add-on Card) Nil
Renewal Fee – (Primary / Add-on Card) Nil
Annual Fee Waiver On spends of more than Rs. 75,000/- in a year
Interest on Revolving Credit Facility 2.9% (p.m.)
Cash Advance Fee 2.5% of transaction fee or Rs. 500/-, whichever is higher
Interest on Cash Advance 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
Over Limit Charges 2.5% of over limit amount subject to minimum of Rs. 500
Cheque/Auto Debit Return Charges Rs. 500
Cash Processing Charges Rs. 200
Duplicate Physical Statement Request Rs. 100 (More than 03 months old)
Card Replacement Fee Rs. 200
Foreign Currency Transactions Bank Charges Cross Currency mark- up 3.5%
Rewards Points Redemption Fee Nil
EMI Charges Minimum Amount: Rs. 3000/-
Interest Rate: 13% per Annum
Processing and Foreclosure Fees: Nil
EMI Tenure Options: 3, 6, 9 or 12 month
Balance Transfer Charges Minimum Amount: Rs. 3000/-
Processing Fee: 1.5% of BT amount or Rs. 199/- whichever is higher, Normal Interest rate for EMI will apply
Card Account Closure Charge Rs. 999, If closed within one year of issuance

The above charges are exclusive of applicable GST


  • 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.
How To Apply

Get a Imperium Platinum Credit Card in 3 easy steps.

01. Get In Touch

Call on our Phone Banking numbers - Toll Free -
1800 425 7600

Non Toll Free -
022 4042 6013
(24x7 service)

02. Visit Our Branch

Visit the nearest branch.

03. Receive a Call Back

Our representative will contact you at the earliest.