IDBI Bank offers a wide range of credit cards tailored to meet various financial needs, from travel rewards and cashback to exclusive lifestyle benefits. Selecting the right credit card can significantly enhance your spending experience while providing convenience and financial flexibility. In this guide, you will discover the benefits, eligibility criteria, and application process for IDBI Bank credit cards.

Features & Benefits of IDBI Credit Cards

Explore the features and benefits of the various types of IDBI credit cards, tailored for different needs:

IDBI Bank Aspire Platinum Credit Card

• With this type of credit card, you can earn 2 Delight Points for every ₹150 spent.
• Enjoy interest-free credit for up to 48 days.
• Receive 500 Delight Points as a welcome gift upon your first card usage within 30 days.
• A 1% fuel surcharge waiver is offered at all petrol stations for transactions between ₹400 and ₹4,000, with a maximum waiver of ₹300 per month.

IDBI Bank Royale Signature Card

• You can enjoy a welcome gift of 750 Delight Points when you use your card for the first time.
• Earn 3 Delight Points for every ₹100 spent.
• With the IDBI Bank Royale Signature card, you can get up to 48 days of interest-free credit.
• You can avail yourself of a 1% fuel surcharge waiver of up to ₹500 on fuel transactions.
• Get 1 complimentary lounge visit per quarter at a select few airports.

IDBI Bank Euphoria World Credit Card

• This IDBI Bank credit card type offers 6 Delight Points for every ₹100 spent on travelling costs.
• Enjoy up to 48 days of interest-free credit.
• Enjoy a 1% fuel surcharge waiver for fuel purchases between ₹400 and ₹5,000 at any fuel station.
• Avail unlimited complimentary airport lounge access at select locations.

IDBI Bank Imperium Platinum Credit Card

• With this card, you can enjoy a credit limit of up to 85% of your fixed deposit.
• Get a higher cash withdrawal limit of up to 70% of your credit limit.
• Earn 2 Delight Points for every ₹150 spent and a welcome bonus of 500 Delight Points. 
• Take advantage of up to 48 days of interest-free credit.

IDBI Winnings RuPay Select Credit Card

• Earn 2 Delight Points for every ₹100 spent.
• Enjoy a welcome benefit of 10% cashback on all transactions of ₹500 or more within 90 days of receiving the card.
• Earn 500 additional Delight Points with 5 transactions of ₹1000 or more each month.
• Receive double Delight Points during your birthday month.
• A 1% fuel surcharge waiver is offered up to a monthly limit of ₹400.

LIC CSL IDBI Lumine Platinum Credit Card

• Earn 3 Delight Points for every ₹100 spent.
• Receive 1000 Delight Points as a welcome gift after spending ₹10,000 within 60 days of card issuance.
• Enjoy a credit shield cover of ₹2 lakhs and personal accidental death insurance coverage.
• Benefit from up to 48 days of interest-free credit.
• Get a monthly 1% fuel surcharge waiver of up to ₹300.

LIC CSL IDBI Eclat Select Credit Card

• Earn 4 Delight Points for every ₹100 spent.
• Get a welcome gift of 1500 Delight Points by spending a total of ₹10,000 within 60 days of receiving the card.
• Benefit from up to 48 days of interest-free credit.
• Enjoy a 1% fuel surcharge waiver for transactions between ₹400 and ₹5000 at any fuel station.
• Provides access to airport lounges in international locations.

Documents Required for IDBI Bank Credit Card

To seamlessly secure an IDBI Bank credit card, you will need to provide the following documents:

Proof of Identity

• PAN card
• Aadhaar card
• Driver’s licence
• Passport
• Voter’s ID
• Letters issued by UIDAI
• Job card issued by NREGA
• Overseas Citizen of India Card
• Person of Indian Origin card

Address Proof

• Aadhaar card
• Utility bill (not older than 3 months)
• Passport
• Driver’s licence
• Bank account statement
• Ration card
• Person of Indian Origin card
• Job card issued by NREGA
• Property registration document

Income Proof

• Last three months’ bank statements
• Latest 1 or 2 salary slips (not older than 3 months)
• Latest Form 16

How to Apply for IDBI Bank Credit Cards?

There are multiple ways to send an IDBI Bank credit card application:

Online Application

You can apply for an IDBI Bank credit card online through their official website. Provide your personal and contact information, upload the necessary documents, and submit your application.

In-Branch Application

Alternatively, you can visit your nearest IDBI Bank branch to make an in-person credit card application. Fill out the application form, submit the required documents, and follow the bank’s instructions.

How to Check IDBI Bank Credit Card Status?

You can check the status of your IDBI Bank credit card application through two methods: online or offline.

• Online: You can check the status quickly via net banking.
• Offline: Alternatively, you can visit any IDBI Bank branch to inquire about your application status.

For convenience, you can also track the status by phone, email, or post.

IDBI Credit Cards Eligibility

To apply for an IDBI Credit Card, you must meet the following criteria:

• You must be a resident of India.
• As the primary cardholder, you should be between 21 and 60 (up to 65 years if you are self-employed). Specific cards may have varying criteria. For instance, the Royale Signature Credit Card specifies an age bracket of 21 to 60 years for salaried individuals and up to 65 years for self-employed applicants.
• If you are applying for an add-on card, you must be at least 18 years old.

IDBI Credit Cards Fees & Charges

The following table shows the fees applicable for IDBI bank credit cards:

IDBI Bank offers a variety of credit cards designed to meet different needs, with numerous benefits such as reward points, fuel surcharge waivers, and interest-free credit periods. The application process is simple whether you apply for an IDBI Bank credit card online or in-branch. You must keep track of your payment due dates to avoid late fees and enjoy the full advantages of your card.

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