All About IDBI Bank Credit Card: List of Cards & Their Features 

Did you know that IDBI Bank credit cards come with variable monthly interest rates ranging from 2.5% to 3.4%, depending on the card variant? On the other hand, these cards reward you with generous delight points to boost your savings. Explore the key features, interest rates, eligibility criteria, required documents and application process of IDBI Bank credit cards below to make an informed choice.

List of Best IDBI Credit Cards in India (2025) 

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A Detailed Overview of IDBI Bank Credit Cards

IDBI Bank offers 5 credit card variants, each designed with unique features to suit different spending needs. Let’s take a closer look at some of these key features: 

Royal Signature Credit Card

You can earn 3 reward points on every ₹100 spent using your Royal Signature credit card on dine out, travel, shopping and other categories. In addition, you can get 750 delight points as a welcome gift on transactions of ₹1,500 or above within 30 days and 400 delight points on transactions between 31 days and 90 days.

The card does not charge any joining fee or renewal fee. Here are the other features of this card:

• Fuel transactions between ₹400 and ₹5,000 on this card will get you a 1% fuel surcharge waiver with up to ₹500 per month.
• 1 complimentary airport lounge access per quarter.
• Up to 2 add-on cards for your family members without any joining fee or annual fee (applicable for primary and add-on cards). 
• Pay a 2.5% interest per month on your outstanding balance.

Aspire Platinum Credit Card

The Aspire Platinum Credit card offers 2 delight points for every ₹150 spent on various categories. Here are the additional features that you need to know:

• 500 delight points on transactions of at least ₹1,500 within 30 days, as a welcome gift and 300 delight points for transactions between 31 days and 90 days.
• 1% fuel surcharge waiver of up to Rs. 300 per month on fuel transactions between ₹400 and ₹4,000.
• No joining or annual fee. Lifetime free credit card.
• The interest rate on the due amount is 2.9% per month.

Imperium Platinum Credit Card

IDBI Bank offers the Imperium Platinum Credit Card against fixed deposits with the bank. You can get up to 85% of the fixed deposit amount as the credit limit for the card. You can withdraw 70% of the credit card limit as cash.

Check out the other features of the card here:

• 2 delight points on every ₹150 spent across different categories.
• 500 delight points as a welcome gift on a transaction of at least ₹1,500 (single transaction) within the first 30 days
• 300 delight points on transactions between 31 days and 90 days.
• Joining fee and an annual fee of ₹499 for the primary card
• Annual fee waiver on spending ₹75,000 in a year. 
• No joining fee or annual fee on add-on cards.
• Interest of 2.9% per month on the outstanding amount.

Winnings Credit Card

IDBI Winnings Credit Card offers 2 delight points on every ₹100 spent using the card. You can additionally earn 500 delight points on 5 transactions of ₹1,000 each per month. Further, the card offers double delight in your birthday month. Find out the other features of this card here:

• 1% fuel surcharge waiver up to ₹400 per month on fuel transactions between ₹4,000 and ₹5,000.
• Accidental death and permanent disability cover of ₹10 lakh each with certain terms and conditions.
• 2 complimentary domestic airport lounge access per quarter and 2 international lounge access per half year.
• No joining fee
• Annual renewal fee of ₹899 applicable. It can be waived off on spending more than ₹90,000 per year.
• Interest on outstanding balance of 3.4% per month.

Euphoria World Credit Card

IDBI Bank Euphoria Credit Card provides 6 reward points on every ₹100 spent on travel and 3 reward points for all other spends using the card. The following are the other features of the card:

• Unlimited complimentary airport lounge access in selected airports.
• No joining fee for the card.
• Renewal fee of ₹1,499.
• 2.9% interest on outstanding balance per month.
• Up to 2 add-on credit cards.

Eligibility Criteria for IDBI Bank Credit Cards

The bank presents certain eligibility criteria for credit cards based on age and residential status. It also reserves the right to reject applications at its sole discretion. To stay ahead, it is best to know these criteria in advance: 

• If you are a salaried individual, you need to be between 21 and 60 years old.
• In case you are a self-employed individual, the upper age limit is up to 65 years.
• You need to be an Indian resident to apply for credit cards with IDBI Bank.

Documents Required for IDBI Bank Credit Cards

IDBI Bank will ask for identity proof such as PAN card, driving license, Aadhaar card or voter's ID card if you apply for a credit card. You additionally need to provide your residential address proof, such as an electricity bill, telephone bill or passport.

The bank might additionally ask for income proof, wherein you can provide a salary slip for the previous 3 months, Form 16, Income Tax Return (latest) and bank statement for the preceding 3 months.

If you are looking for credit cards without income proof, you can check out the secured credit card option by Stable Money. Download the app now for more information! 

IDBI Credit Card Application Process

You can apply for an IDBI Bank credit card by submitting a physical application to any of the bank's branches. As an alternative, you can submit your details on the 'Help Us Contact You' section of the bank's website and wait for a call from the representatives.

In addition, you can call the IDBI credit card customer care at 1800-209-4324  or 022-67719100. The former is a toll-free number, while the latter is a chargeable number.

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