Formerly known as the Industrial Development Bank of India, it would not be wrong to say that IDBI is an Indian government-owned financial service company, known for offering a wide range of services. Yes, when it comes to providing a host of services, this reputed bank with endless and unmatched offerings fulfills all of our varied needs. Moreover, as far as offering the best services is concerned, this bank offers you a vast collection of beautifully designed credit cards. Yes, the bank through its wide range of unmatched credit cards provides the benefits that match your preferences and suit your lifestyle needs. An IDBI bank credit card comes with the best privileges, and features, making your life hassle-free.
Best IDBI Bank Credit Cards 2025
| Credit Card Names | Fees | Welcome Benefits |
|---|---|---|
|
IDBI Royale Signature Credit Card |
Joining Fee: Nil |
Earn 750 Delight Points on the first usage of the card within 30 days of issuance, or 400 Delight Points on usage between 31 to 90 days from the card issuance date. |
|
IDBI Aspire Platinum Credit Card |
Joining Fee: Nil |
Earn a welcome gift of 500 Delight Points on the first usage of the card. |
|
IDBI Imperium Platinum Credit Card |
Joining Fee - (Primary Card) Rs. 499 Annual Fee – (Primary Card) Rs. 499 |
Earn 500 Delight Points for spending at least Rs. 1,500 in a single transaction within the first 30 days of receiving your IDBI Imperium Platinum Credit Card. OR Earn 300 Delight Points for spending at least Rs. 1,500 between 30 and 90 days of receiving the card. |
|
IDBI Euphoria World Credit Card |
Joining Fee (Primary / Add-on Card) - Nil Annual Fee (Primary Card) - Rs. 1499 (From second year onwards) Annual Fee (Add-on Card) - Nil |
Enjoy 4,000 Delight Points as a welcome benefit. |
|
IDBI Winnings Credit Card |
Joining Fee (Primary / Add-on Card) - Nil Annual Fee (Primary Card) - Rs. 899 (From second year onwards) Annual Fee (Add-on Card) - Nil |
Enjoy a flat 10% cashback on all transactions with a minimum value of Rs. 500 |
|
LIC CSL IDBI Eclat Select Credit Card |
Joining fee - NIL Annual fee - NIL Renewal Fee- NIL |
Get 1,000 reward points as a welcome gift when you spend Rs. 10,000 within 60 days of card issuance. |
|
LIC CSL Co-branded Eclat Select Credit Card |
Joining fee - NIL Annual fee - NIL Renewal Fee - NIL |
Get 1,500 reward points as a welcome gift when you spend Rs. 10,000 within 60 days of card issuance. |
Detailed Benefits of IDBI Credit Cards
Royale Signature Credit Card
The IDBI Bank Royale Signature Credit Card offers exclusive privileges tailored to enhance your lifestyle, both in India and abroad.
- Access to domestic airport lounges with the IDBI Royale Signature card, regardless of the airline.
- 3 Delight points per Rs. 100 spent. Get 750 Delight Points for first usage within 30 days or 400 Delight Points between 31-90 days.
- Up to 48 days of interest-free credit.
- Rs. 25 lakh air travel accident insurance cover.
- 1% waiver on fuel surcharges (Rs. 400 to Rs. 5,000), with a maximum waiver of Rs. 500 per month.
Aspire Platinum Credit Card
The IDBI Bank Royale Signature Credit Card offers unmatched services and privileges, designed for those who seek the best in every aspect of life. It’s your “One Stop Card” for luxurious experiences, designed for your lifestyle both in India and abroad.
- 2 Delight Points for every Rs.150 spent
- 1% waiver on fuel transactions between Rs. 400 to Rs. 4,000, with a maximum of Rs. 300 per month
- Interest-free credit period of up to 48 days
- Available for family members above 18 years
- Complimentary offers on airport shopping, hotels, car rentals, and more
- Accepted by over 9 lakh merchants in India and 29 million merchants worldwide.
Imperium Platinum Credit Card
The IDBI Bank Imperium Platinum Credit Card is a secured credit card issued on the VISA platform. It allows you to avail of a credit card facility by pledging your Fixed Deposit(s) as collateral.
- Free Delight Points when you spend at least Rs. 1500 in a single transaction.
- Up to 85% of your fixed deposit might be used as your credit limit.
- You can withdraw up to 70% of your credit limit in cash.
- 2 Delight points for every Rs. 150 spent on shopping, movies, travel, and more.
- Exclusive offers from VISA.
- Special offers on car rentals, hotel bookings, and airport shopping.
Euphoria World Credit Card
With your IDBI Bank Euphoria World Credit Card enjoy a journey of luxury and adventure. Explore tropical paradises, dive into underwater wonders, indulge in exotic hotels and restaurants, and discover the world with convenience, security, and flexibility.
- Rs. 25 lakh air travel accident insurance cover.
- Over 9 lakh merchants in India and 29 million merchants worldwide accept the IDBI Euphoria World Credit Card
- 48 days of interest-free credit with
- 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000, with a maximum of Rs. 500 per month
- 4,000 Delight Points on your first transaction of Rs. 1,500 or more within 60 days
- 6 Delight Points for every Rs. 100 spent on travel expenses and 3 Delight Points on hotel, IRCTC, and bus bookings.
Winnings Credit Card
IDBI Bank welcomes you to the Winners Club with the 'Winnings' Credit Card, offering convenience, security, and flexibility wherever you go, keeping you one step ahead in life.
- Free access to both domestic and international airport lounges with the IDBI Winnings card.
- 2 Delight points for every Rs. 100 spent, plus a 10% cashback on transactions over Rs. 500 within 90 days of receiving the card.
- 1% fuel surcharge waiver on transactions between Rs. 4,000 to Rs. 5,000 at any fuel station.
- Withdraw cash from 1.88 million ATMs globally and earn reward points with every transaction.
- Up to 48 days of interest-free credit
- Rs. 10 lakh accidental death cover if you're between 18-70 years old and have made a successful transaction in the last 90 days.
LIC CSL IDBI Eclat Select Credit Card
The IDBI Bank LIC CSL Co-branded Eclat Select Credit Card is designed to offer an exceptional experience with exciting offers and innovative financial solutions. This card provides exclusive privileges customized to your lifestyle and preferences, both in India and internationally.
- 3 reward points for every Rs. 100 spent
- Credit Shield Cover with your card
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000
- Personal Accidental Death Insurance cover of Rs. 2 lakh.
LIC CSL Co-branded Eclat Select Credit Card
The IDBI Bank LIC CSL Co-branded Eclat Select Credit Card is designed to offer exclusive privileges and benefits on shopping, dining, and lifestyle experiences, making every transaction more rewarding and luxurious.
- 4 reward points for every Rs. 100 spent
- 1 % fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000
- Credit Shield Cover
- Access domestic airport lounges.
IDBI Bank Free Credit Cards Lifetime
IDBI Bank offers two lifetime free credit cards: the IDBI Royale Signature Credit Card and the IDBI Bank Aspire Platinum Credit Card. Both cards are designed for individuals who are new to credit cards and want to begin their credit journey with minimal fees. These cards offer a decent rewards program along with various privileges across different categories. They are an ideal choice for those seeking a basic credit card to start building their credit history without incurring significant charges.
IDBI Credit Card Application Documentation
Before applying for an IDBI Bank credit card, financial institutions consider factors such as your credit score, age, monthly income, and location. Ensure you have the following documents ready:
- Proof of Identity: PAN card, Aadhaar card, driver’s license, passport, voter’s ID, OCI card, PIO card, NREGA job card, UIDAI-issued letters.
- Proof of Address: Aadhaar card, driver’s license, passport, utility bill (within 3 months), ration card, property registration document, NREGA job card, bank account statement.
- Proof of Income: Latest salary slips (within 3 months), Form 16, last 3 months’ bank statements.
IDBI Bank Credit Card Application Eligibility
Here are the eligibility criteria for the applicants who are applying for the IDBI Bank Credit cards -
- Age: To apply for an IDBI Bank credit card, applicants must be between 21 and 65 years old, with add-on cardholders required to be at least 18 years old.
- Income Requirement: No minimum income requirement for eligibility.
- Employment: Open to both salaried and self-employed individuals.
- Interest-Free Period: Enjoy up to 48 days of interest-free credit.
- ATM Cash Withdrawal Charges: 2.5% of the withdrawn amount or a flat INR 300, whichever is higher.
|
Age |
21 to 65 |
|
Income Requirement |
Nil |
|
Employment |
Salaried or Self-Employed |
|
Interest-Free Period |
Up to 48 days |
|
ATM Cash Withdrawal Charges |
2.5% of the amount withdrawn or INR 300 |
Interest Rate on IDBI Bank Credit Cards
Here is the table showing the monthly and annual interest rates of IDBI Bank Credit Cards -
| IDBI Bank Credit Cards | Monthly Interest Rate | Annual Rate |
|---|---|---|
|
IDBI Bank Royale Signature Credit Card |
2.5% |
30% |
|
IDBI Bank Euphoria World Credit Card |
2.9% |
34.8% |
|
IDBI Bank Aspire Platinum Credit Card |
2.9% |
34.8% |
|
IDBI Bank Imperium Platinum Credit Card |
N/A |
N/A |
|
IDBI Bank Winnings RuPay Select Credit Card |
3.4% |
40.8% |
Factors That Can Affect IDBI Bank Credit Card Application
Here are some factors that can affect IDBI Bank Credit Card Eligibility:
- Age: Applicants must meet the minimum and maximum age requirements set by the bank.
- Income: Your earning capacity determines eligibility and the type of card you qualify for.
- Employment Status: Both salaried and self-employed individuals are considered, with stable employment preferred.
- Credit Score: A good credit score increases the chances of approval.
- Existing Liabilities: High existing debt may impact your eligibility.
- Location: Eligibility may vary based on your residential area or city.
- KYC Documents: Submission of valid identity, address, and income proof is mandatory.
How to Apply for IDBI Bank Credit Card Online & Offline?
When it comes to applying for an IDBI Bank credit card, the process is quite easy and fast. Yes, with the reliable services offered by the bank, you can easily apply online for IDBI credit cards.
Online Application -
Here are some easy steps for the IDBI Bank Credit Card application online -
- Visit the 'Credit Cards' page on the IDBI Bank website and enter your contact details.
- A representative will contact you after verification to guide you through the application process.
- Submit your KYC documents and income proof as required.
- Alternatively, you can apply by visiting the nearest IDBI Bank branch.
Offline Application -
You can apply for an IDBI credit card by visiting the nearest branch, filling out the application form, submitting the required documents, and following the bank's process.
IDBI Bank Credit Card Customer Care Number
In case, you have any queries related to your credit card, feel free to get in touch with the bank through its toll-free customer care number -
- 1800 425 7600 (Toll-Free) or 022 - 4042 6013 (Call Charges will apply)
On this toll-free number, you can solve your queries or billing issues. If you have complaints or disputes, you need to call the same number so that all your issues or problems can easily be solved. The bank executives are always there to help and guide you in the best way possible.
Summary!
IDBI Bank Credit Cards offer a range of benefits customized to suit diverse lifestyles, including rewards on spending, fuel surcharge waivers, travel perks, and interest-free credit periods. With options for salaried and self-employed individuals, the cards provide convenience, security, and flexibility for both domestic and international transactions. Additionally, exclusive privileges like airport lounge access, insurance covers, and attractive welcome offers make IDBI Bank Credit Cards a valuable choice for enhancing your financial journey.
FREQUENTLY ASKED QUESTIONS
1. How to Apply for an IDBI Credit Card?
You can apply online through IDBI Bank's official website or by visiting the nearest branch. Simply fill out the application form and submit it along with the required documents.
2. What are the minimum and maximum age criteria to apply for an IDBI Bank credit card?
The primary cardholder must be 21 to 60 years old for salaried individuals and up to 65 years for self-employed applicants. The minimum age requirement for add-on cardholders is eighteen.
3. What documents are required for the IDBI Bank credit card application?
Documents Required for IDBI Bank Credit Card Application:
- Proof of Identity: PAN card, Aadhaar card, passport, voter ID, driver’s license, OCI/PIO card, or UIDAI-issued letter.
- Proof of Address: Aadhaar card, passport, driver’s license, utility bill (not older than 3 months), ration card, or property registration document.
- Proof of Income: Latest salary slips (1-2, within 3 months), Form 16, or last 3 months’ bank statement.
4. What is the minimum balance required to maintain an IDBI Bank account?
The Monthly Average Balance (MAB) requirement for IDBI Advantage Savings Account is:
- Rs. 10,000 for Metro and Urban branches.
- Rs. 5,000 for Semi-Urban branches.
- Rs. 1,000 for Rural branches.
5. Does IDBI provide a Zero Balance facility?
Yes, IDBI Bank offers a zero-balance account facility for eligible customers.
6. How to check for an IDBI Bank Balance?
To check your IDBI Bank balance via missed call, dial 1800-209-4324 / 1800-22-1070 from your registered mobile number. Your account balance will be sent to you via SMS.
