IDBI Bank Imperium Platinum Credit Card: Features & Benefits

Summary

IDBI Bank Imperium Platinum Credit Card is a loaded credit card that brings rewards, safety, and ease of use to individuals who would like to take advantage of their everyday transactions. It rewards 2 points on every ₹150 spent, adding the facility of earning points and redeeming them for fantastic deals. It also provides a waiver of a 1% fuel surcharge on spending between ₹400 and ₹4,000 on fuel, resulting in savings of money spent on fuel by the Credit card members. For more information Click Here.

One of the important advantages of this card is the easy EMI conversion facility, which allows customers to convert high-value purchases into monthly payments, thereby making costly transactions easier to afford. The card features contactless payment technology, which makes transactions quick and secure. It is accepted internationally and can be used at millions of merchant points worldwide, thereby making it an ideal travel partner.

The card also has zero liability protection, i.e., if the card is lost or stolen and reported immediately, the cardholder will not be charged for unauthorized transactions. IDBI Bank offers add-on cards to family members, and they also receive the same benefits without surrendering control of their spending. The 24/7 customer service ensures that the users are provided with immediate assistance for any query or issue.

Introduction

If you are looking for a credit card that has great rewards, special privileges, and easy banking, then the IDBI Bank Imperium Platinum Credit Card is perhaps your best bet. The card is designed with the specific aim of meeting the needs of users in the present age who require convenience, savings, and security in one go. If you dine out, travel, or shop, then the card offers rewarding benefits that add luxury to your lifestyle.

This card allows you to enjoy great reward points, fuel surcharge rebates, a convenient EMI facility, and much more. It also features sophisticated security measures to provide secure transactions so that you can shop hassle-free while making payments for your purchases. IDBI Bank also offers special customer care service support to clarify any of your queries and extend card-related services.

Here, we will talk about the most significant features and benefits of the IDBI Bank Imperium Platinum Credit Card and how it can be your financial companion. If you are a travel enthusiast, a buyer, or an expense manager, you should not miss this card to be your financial companion.

What is the IDBI Bank Imperium Platinum Credit Card?

IDCB Imperium Platinum Credit Card is a high-end credit card that is best suited for those who desire additional benefits on their regular transactions. It provides rewards, discounts, and special privileges on shopping, travel, dining out, and much more. With this card, you can earn reward points on each transaction you undertake and redeem them for great offers. It also gives a waiver on fuel surcharge, thus lowering the price of fuel.

The card also comes with strengthened security features for secure transactions. You can convert big purchases to easy EMIs and enjoy contactless payments for faster checkout. IDBI Bank Imperium Platinum Credit Card is the perfect choice if you desire a mix of convenience, savings, and exclusive privileges.

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

The IDBI Bank Imperium Platinum Credit Card boasts a sleek and modern design that looks high-end and trendy. It comes in a refined dark-colored scheme with a shiny coat, which gives it an upscale appearance.

The IDBI Bank logo is prominently displayed at the top, and the chip and contactless payment symbol are placed within easy reach. The card is lightweight and can easily fit in your wallet. Its stylish look provides a sense of sophistication every time you shop, dine out, or travel.

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

Here are the major benefits:

1. Reward Points per Spend

• Earn 2 reward points for each ₹150 spent on retail transactions.

• Accumulate points and exchange them for thrilling gifts, vouchers, or discounts.

2. Fuel Surcharge Waiver

• Avail a 1% fuel surcharge waiver on spends between ₹400 to ₹4,000 at any petrol pump in India.

• Saves on fuel expenses each month.

3. Easy EMI Facility

• Convert large-value purchases into easy monthly installments (EMI).

• Makes high-priced shopping easy.

4. Contactless Payments

• Just swipe your card on the payment terminal for a quick and secure transaction.

• No PIN is needed for transactions up to ₹5,000.

5. Global Acceptance

• Shop at millions of merchants across India and worldwide.

• Ideal for online shoppers and tourists.

6. Zero Liability on Lost Card

• If your card is lost or stolen, you won’t be held liable for any unauthorized transactions when reported.

• Ensures safe and secure banking.

7. Add-on Cards for Family

• Provide extra cards to your relatives and enjoy the rewards together.

• Put limits on spending in a bid to exercise greater control over spending.

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

Here is a simple IDBI Bank Imperium Platinum Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 + GST per year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on 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?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the IDBI Bank Imperium Platinum Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for IDBI Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

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

The documents that you will have to submit to Get an IDBI Bank Imperium Platinum Credit Card are as below:

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 employee Bank statement for the last 3 months ITR 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 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 also 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, as well as to 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 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 with an IDBI 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 Imperium Platinum Credit Card.

• Just hover your cursor on the IDBI Imperium Platinum Credit Card, followed by selecting ‘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 submitting 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 Imperium Platinum Credit Card.

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

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

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

• 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 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, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) 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 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. On top of that, the bank 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 make sure that 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

The IDBI Bank Imperium Platinum Credit Card is a highly crafted credit card that provides several advantages for various users. Whether you are an avid shopper, traveler, or diner, or you just need a card for your everyday expenses, this card has a variety of benefits to enhance your transactions.

Another main highlight of this card is the reward points mechanism, in which you receive 2 reward points for each ₹150 spent. The points could be accumulated and subsequently redeemed on fantastic offers, so every time you spend something, it pays. In addition, the 1% fuel surcharge waiver ensures you save a rupee for every car refueling. The card also facilitates turning high-value expenses into manageable EMIs, enabling easy management of high bills.

Among its best aspects, this card also offers the convenience of contactless payment, in which you pay quickly and safely by simply touching your card at the payment point. With extensive acceptance worldwide as well, you can use the Credit card at any of the million stores across the globe and inside India as well. Its lost cards feature of zero liability provides you additional security, under which you wouldn’t have to pay if you lose your card or someone takes it from you.

Frequently Asked Questions (FAQ’s)