IDBI Bank Imperium Platinum Credit Card: Features

Summary

The IDBI Bank Imperium Platinum Credit Card is a secured card with a host of features, and thus, it is apt for individuals who want to build or rebuild their credit score. The card is secured against a fixed deposit, and the card does not require proof of income and a good credit score, so it can be used by students, homemakers, and first-time users of credit.

Firstly, the card offers a credit limit of a maximum of 85% of the fixed deposit amount. It also charges no joining or annual fee, thus being cost-effective. The card also comes with welcome benefits, such as bonus Delight Points if you purchase something in the initial 90 days from date of activation.

Apart from this, for every ₹150 you spend, you receive 2 Delight Points on shopping, dining, travel, and more. These points can be redeemed later in exchange for nice gifts and vouchers. You also have an interest-free credit period of up to 48 days for easier monthly expense management.

Introduction

If you are such a person who wishes to have premium benefits without needing to spend a fortune, then the IDBI Bank Imperium Platinum Credit Card is likely to be the perfect card for you. The credit card is especially designed for such people who need special features, comfort, and smart savings in one place. Brought to you by IDBI Bank, a brand well known for Indian banking, the card provides you with the finest blend of lifestyle, security, and financial benefits.

The IDBI Imperium Platinum Credit Card is ideal for routine usage as well as for special occasions. While you go shopping, dine out, buy tickets, or make transactions online, the card helps you earn rewards and avail discounts with each transaction. The biggest advantage of this card is that it has zero annual fees, and hence it is a cost-effective option for first-time credit card holders or those who need low-fee credit cards.

With this credit card, you also get the opportunity of exciting reward points, redeemable for any gift, voucher, or other benefit. And, it also contains benefits like fuel surcharge waiver, lost card liability cover, and EMI conversion benefits, which are just a smart companion for your financial needs.

Its wide acceptance is a second advantage. The Imperium Platinum Credit Card can be used at millions of Indian and foreign points of purchase, both on and off the Internet. It also uses chip-based technology, adding an added security to every transaction you make.

What is the IDBI Bank Imperium Platinum Credit Card?

The IDBI Bank Imperium Platinum Credit Card is one of the high-end credit cards issued by IDBI Bank to give customers a combination of luxury, ease, and savvy savings. In the first place, the card is meant for individuals who wish to enjoy extra advantages without paying too much in charges. It charges nothing as an annual fee, thus making it affordable for everyone.

Furthermore, the card offers reward points for all your spending, whether for shopping, dining out, or purchasing travel tickets. These can be stored and subsequently redeemed for gifts, vouchers, etc. You also have useful features like fuel surcharge waiver, EMI facility, and card loss protection, which are of invaluable use in your day-to-day life.

Not only this, Imperium Platinum Credit Card is also being accepted by millions of merchants all over the world, both online and offline. Because of this, you can use it everywhere with ease and assurance. The card is also having a chip-based security feature, so your transactions are safe and secure.

How is the design of the IDBI Bank Imperium Platinum Credit Card?

The IDBI Bank Imperium Platinum Credit Card is of a modern and professional look that is proportional to the high-end services it offers. The card is typically of a fashion color palette, i.e., silver or platinum, and typically has strong IDBI Bank and Visa logos with it. The simple design not only appears stylish but also represents the card’s partnership with superior financial services.

In addition, the card is embedded with an EMV chip to provide increased protection for every transaction. Chip-based technology adds a level of security against fraud, and it provides cardholders with confidence while transacting.

What are the benefits of the IDBI Bank Imperium Platinum Credit Card?

This card provides credit freedom and reward choice, and it’s best suited for individuals who wish to build or improve their credit history.

Key Features:

1. Secured Credit Limit: The card is upgraded against a secured deposit, and it provides a credit limit of up to a maximum of 85% of the deposit. This feature helps individuals with no traditional credit history to access credit facilities.

2. Welcome Offer: 500 Delight Points are obtained on a single transaction of ₹1,500 within 30 days from the card issuance. On its failure, 300 points are obtained on the same transaction in the 31-90 day time span.

3. Reward Points: Get 2 Delight Points for every ₹150 spent in shopping, movies, and travel. The reward points can be used to get rewards from a portfolio of products and services, which is a value addition to daily expenditure.

4. Interest-Free Period: Take up to 48 days of interest-free credit, so paying monthly bills is convenient.

5. Overseas Acceptance: Accepted over 9 lakh merchants in India and 29 million merchants worldwide, facilitating convenient transactions at home and abroad.
6. Add-on Cards: Main cardholders can apply for add-on cards for their family members so that the family members can make use of features and benefits provided by the card.

7. Zero Lost Card Liability: When lost or stolen, the cardholder is relieved of unauthorized transactions when reported, providing protection.

8. Visa Exclusive Offers: Get special discounts at hotels, airport shops, car rentals, and more from the Visa merchant network.

What are the fees for the IDBI Bank Imperium Platinum Credit Card?

Here is a simple breakdown of the  IDBI Bank Imperium Platinum Credit Card fees.

Joining Fee	Rs. 499 + GST
Annual Fee	Rs. 499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 2.9% per month (34% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDBI Bank Imperium Platinum Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDBI Bank Imperium Platinum Credit Card?

The documents that you will have to submit to get the IDBI Bank Imperium Platinum Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDBI Bank Imperium Platinum Credit Card be used?

Here is the list of places where you can use it:

• With the IDBI Bank Imperium Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IDBI Bank Imperium Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IDBI Bank Imperium Platinum Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDBI Bank Imperium Platinum Credit Card?

The credit amount you can spend is what you are provided to you with an IDBI Bank Imperium Platinum Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDBI Bank Imperium Platinum Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDBI Bank; for instance, you can choose the  IDBI Bank Imperium Platinum Credit Card.

• Just hover your cursor on the  IDBI Bank Imperium Platinum Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDBI Bank branch to apply for the  IDBI Bank Imperium Platinum Credit Card.

• Request for the credit card application form of the  IDBI Bank Imperium Platinum Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IDBI Bank Imperium Platinum Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IDBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IDBI Bank Imperium Platinum Credit Card in 2025 be right?

Yes, getting an IDBI Bank Imperium Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Overall, the IDBI Bank Imperium Platinum Credit Card is a smart and affordable credit card with comprehensive benefits for individuals seeking upper-class services without cost inflation. First of all, the card is appropriate for both new and experienced users of credit cards, especially those individuals who are in search of a secured credit card with a fixed deposit protection. It gives you the convenience of a credit card while at the same time helping you build or improve your credit score, something which is very important to your own financial future.

In addition, the card offers reward points on all expenditure, that is, you receive something back every time you shop using your card for shopping, travel, dining out, and so on. These points are further redeemable as gifts and vouchers, adding value to your daily expenses. On top of that, you also get the facilities like zero lost card liability, fuel surcharge waiver, and interest-free credit period, which help you manage money better.

Another great thing about this card is the fact that it’s globally accepted. Whether you’re buying things at a local mall or internationally, you can utilize this card almost everywhere. Furthermore, the card’s structure is chip-based, which provides a higher level of security for your transactions. As such, you can shop or pay your bills without worrying about fraud or misuse.

Frequently Asked Questions (FAQ’s)