IDBI Bank Imperium Platinum credit card

The IDBI Bank Imperium Platinum Credit Card has been a popular choice in the constantly changing credit card market for discerning users looking for a balance of rewarding rewards, adaptable features, and increased security. This credit card boasts a variety of benefits and a tempting rewards programme, claiming to meet all the requirements of contemporary consumers. In this thorough evaluation, we’ll examine the IDBI Imperium Platinum Credit Card’s salient characteristics, advantages, and potential disadvantages in order to help you decide whether it’s the best option for your financial requirements.

Key features of IDBI Bank Imperium Platinum credit card:

• As a welcome present, the card gives reward points equal to 5000 joy points.
  Due to the fixed deposit that supports the card, it is a secure credit card.
• Your IDBI Bank Imperium Platinum Credit Card’s credit limit can be 85% of the fixed deposit amount.
• The IDBI Bank Imperium Platinum Credit Card has a credit limit of 85% of the fixed deposit amount, of which 70% is available for cash withdrawals.

Benefits of IDBI Bank Imperium Platinum credit card:

Welcome Bonus:

When you spend at least Rs. 1500 within 30 days of card issuance, you can earn up to 500 bonus Delight points, and when you spend at least Rs. 1,500 within 31 to 90 days, you can earn up to 300 bonus Delight points. Only when you pay your membership dues using your IDBI Imperium Platinum credit card are you eligible to receive these welcome advantages.

Zero Liability Protection:

When a loss or theft is reported to their customer hotline within the allotted 24-hour window, you are given protection liability coverage.

Rewards:

You will receive 2 Delight Points for every Rs. 150 you spend on things like movies, shopping, travel, etc. using this card.

Exclusive offers from Visa:

Cardholders can enjoy exclusive offers on hotels, airport shopping, car rentals, etc., when they use this card to make transactions. They can also enjoy the travel concierge services offered by Visa.

Cash Withdrawal Limit:

This card allows cash withdrawals up to 70% of the available credit.

Welcome e-Kit:

The bank will send cardholders a digital welcome package. The Card Usage Policy, Agreement, Most Important Terms and Conditions (MITC), and other information concerning the card are included in this kit.

Add-on Cards:

People can obtain add-on cards for their family members with this card. The add-on cardholders can take advantage of all the features and advantages of the primary card.

Fee’s And Charges of IDBI Bank Imperium Platinum credit card:

Type of Charge	Amount
Fee for joining	Rs.499
Annual fee for the add-on card	No charge
Fee for card renewal	No charge
Renewal fee for the add-on card	No charge
Interest charged on cash advance	2.90% per month
Interest charged on revolving credit facility	2.90% per month
Annual fee for the main card (this fee has to be paid from the 2nd year)	Rs.499
Overlimit charge	2.5% of the overlimit amount (Minimum – Rs.500)
Fee for cash advance	2.5% of the transaction fee (Minimum – Rs.300)
Fee for Auto Debit Return	Rs.225
Fee for late payment	If amount is below Rs.100, then no charge. If amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If amount is Rs.20,001 and above, then Rs.700 will be charged.

Redeeming Rewards on IDBI Bank Imperium Platinum credit card:

• 1 reward point is equal to 0.25 Indian rupees.
• The acquired reward points may be redeemed at Max Get More merchant locations or on the IDBI Delight reward portal at www.idbidelight.com.
• Redeeming rewards has a fee of Rs 100 each request.

Eligibility to Apply for IDBI Bank Imperium Platinum credit card:

• The applicant must be at least 18 years old.
• The candidate must deposit at least 20,000 rupees in a fixed deposit with IDBI Bank.
• The Imperium Platinum credit card is not available for fixed deposits held by HUF, Minor, NGO, Trust, Societies, Club, Partnership, and Private & Public Limited Companies.

Documents Required for IDBI Bank Imperium Platinum credit card:

• Banks require the following documents as identity proof: Aadhar cards, PAN cards, voter identification cards, driver licences, and passports
• Aadhar Cards, Passports, Voter IDs, Driver’s Licences, Utility Bills, Municipal or Property Tax Receipts, and Rent Agreements are all required by banks as address verification.
• You must present a confirmation of deposit paperwork that has been properly cleared by the bank.

How to Apply for IDBI Bank Imperium Platinum credit card:

• Step 1: To apply, go to the branch that is closest to you or use phone banking.
• Step 2: Alternatively, you may apply through phone banking.
• Step 3: Decide on the IDBI Bank Imperium Platinum credit card and finish the necessary procedures.
• Step 4: Your registered phone number or email address will be used to provide information about your credit card by SMS or mail.

Contact:

Via Phone:

 1800 425 7600 (Toll Free) or 022 – 4042 6013 (Call Charges Applicable)

Via E-mail:

customercare@idbi.co.in 

Conclusion:

The IDBI Imperium Platinum Credit Card is unquestionably a remarkable financial tool that perfectly balances advantages, incentives, and money management. It meets a variety of customer needs with its alluring welcome bonuses, reward points programme, travel benefits, special lifestyle privileges, and strong security measures.

However, it’s crucial to carefully analyse your spending patterns, financial objectives, and the card’s terms and conditions before applying for any credit card. To fully utilise the IDBI Imperium Platinum Credit Card, or any credit card for that matter, responsible usage is essential.

F.A.Q’s:

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