IDBI Bank
IDBI Aspire Platinum Credit Card
Annual Fee
Lifetime FreeBase Reward
1.33% points
Foreign Markup
3.5% on the conversion amount
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.
Category Rewards
shopping
2 Delight points for every Rs 150 spent
1.33X
dining
2 Delight points for every Rs 150 spent
1.33X
travel
2 Delight points for every Rs 150 spent
1.33X
Reward Calculator
Earns ₹1,500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
Delight Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.50%
Annual fee
FREE
Year 1 net
+₹1,500
Year 2+ net
+₹1,500
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
- 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.
Benefits & Features
1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000
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.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks