IDBI Aspire Platinum Credit Card
IDBI Bank
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1.33% points
Foreign Markup
3.5% on the conversion amount
Interest Rate
2.9% per month (34.8% per annum)
Welcome Benefits
500 delight points on spending Rs 1500 or above in the first 30 days of issuance of the card and 300 delight points on the spending of Rs 1500 or above in 31 to 90 days of the issuance of the card.
Rewards
With this card, you get 2 Delight points for every Rs 150 spent on shopping, dining, or traveling. The delight points can be redeemed for a wide array of gift vouchers that provide lifestyle benefits.
Redemption
The delight points can be redeemed for a wide array of gifts vouchers providing you with lifestyle benefits. The points accumulated can be redeemed for cashback.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 1.33%(2 Delight points for every Rs 150 spent) | No cap |
dining | 1.33%(2 Delight points for every Rs 150 spent) | No cap |
travel | 1.33%(2 Delight points for every Rs 150 spent) | No cap |
Benefits & Features
1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Available Networks
Pros & Cons
Pros
- No annual fee
- 2 Delight points for every Rs 150 spent
- Welcome benefits of 800 delight points
Cons
- No specific dining or travel benefits mentioned
- No insurance benefits mentioned
Additional Info
Maximum surcharge waiver of Rs 300 per statement cycle.