HomeCredit CardsIDBI Bank Imperium Platinum Credit Card
IDBI Bank Imperium Platinum Credit Card

IDBI Bank

IDBI Bank Imperium Platinum Credit Card

visaplatinumcreditshopping

Annual Fee

₹589₹499 + GST

Base Reward

1.33% points

Foreign Markup

3.5% of the conversion amount

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4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

Up to 800 Bonus Delight Points

Product Highlights

  • 500 Welcome bonus Delight points on the spending of Rs 1500 within 30 days of card issuance
  • 300 Welcome bonus Delight points on the spending of Rs 1500 between 31 to 90 days of card issuance
  • 2 Delight Points on every Rs 150 spent shopping, movies, and traveling

Category Rewards

shopping

2 Delight Points on every Rs 150 spent

1.33X

Fee Waiver

Renewal fee waiver on spends of Rs. 75,000 in a year

Reward Calculator

Earns ₹1,500/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹25K

across all your buckets

Points / yr

6K

Delight Reward Points

Best worth

₹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 buckets
0.50%All spends
₹25,000/mo
Earns 500 delight reward points / mo≈ ₹125 worth/mo

Surcharges & 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

You get 2 Delight points on every Rs 150 spent on shopping, movies, and traveling using your IDBI Bank Imperium Platinum credit card.

Reward Points — Redemption Value
  • 1 Reward Point = ₹0.25 redeemable on IDBI Delight Reward Portal

Benefits & Features

1% Waiver on Fuel Transactions Between ₹400 and ₹4,000

Pros & Cons

Pros

  • Up to 800 Bonus Delight Points on spending
  • 2 Delight Points on every Rs 150 spent

Cons

  • Annual fee of ₹499 + GST
  • No fuel surcharge waiver

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹499
Joining FeeNil
Fee WaiverRenewal fee waiver on spends of Rs. 75,000 in a year
Foreign Markup3.5% of the conversion amount
Interest Rate2.9% per month
Cash Advance2.5% on the withdrawal amount subject to a minimum charge of Rs 500
Redemption Fee₹100 per redemption request

Eligibility

Min Age

18 yrs

Networks

visa