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Features of IDBI Bank Platinum Credit Card

  • Enhanced Credit Limit: The IDBI Bank Platinum Credit Card, specifically the Imperium Platinum variant, offers a robust credit limit of up to 85% of a fixed deposit, making it a secured card ideal for those seeking higher spending power without relying solely on credit history. For unsecured variants like the Aspire Platinum, the credit limit is determined based on the applicant’s income, credit score, and financial profile, ensuring flexibility for diverse users. This feature allows cardholders to manage significant expenses, such as international travel or large purchases, with ease.
  • Reward Points Program: Cardholders earn 2 Delight Points for every ₹150 spent on categories like shopping, dining, travel, and entertainment. Additionally, welcome bonuses include 500 Delight Points for a minimum transaction of ₹1500 within 30 days of card issuance, or 300 Delight Points for the same spend between 31 to 90 days. These points are accrued on both primary and add-on cards, with no cap on earnings, providing a seamless rewards accumulation system for frequent spenders.
  • Global Acceptance: Accepted at over 9 lakh merchants in India and 29 million worldwide, the IDBI Bank Platinum Credit Card is powered by Visa, ensuring seamless transactions at ATMs, POS terminals, and e-commerce platforms globally. The card’s EMV chip and PIN technology enhance security, protecting against fraud and unauthorized use during international transactions.
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    • Interest-Free Credit Period: The card offers an interest-free credit period of up to 48 days on purchases, allowing users to manage cash flow effectively. This feature is particularly useful for salaried individuals or small business owners who need short-term credit without incurring immediate interest charges, provided the outstanding balance is paid by the due date.
    • Add-On Cards: The card allows up to one add-on card for immediate family members above 18 years, such as a spouse or child. Delight Points earned on add-on cards are consolidated with the primary cardholder’s account, simplifying reward tracking and redemption. This feature is ideal for families looking to share benefits while maintaining centralized control over spending.
    • Contactless Payment Support: The card supports contactless payments for transactions up to ₹5000, enabling quick and secure purchases at POS terminals without entering a PIN. This feature enhances convenience for everyday transactions like grocery shopping or dining, aligning with modern payment trends and reducing transaction time.
    • Digital Welcome Kit: Upon issuance, cardholders receive a digitized Credit Card Welcome e-Kit, supporting IDBI Bank’s Go Green initiative. The e-Kit includes essential details like the Cardholder Agreement, usage policies, and Most Important Terms and Conditions (MITC), accessible in a downloadable PDF format for easy reference.
    • Flexible Repayment & EMI Conversion: Cardholders can choose to pay the full outstanding amount, the minimum amount due, or any amount above the minimum, offering flexibility in managing finances. The card also supports EMI conversion for transactions above ₹3000, with repayment tenures of 3, 6, 9, or 12 months, ideal for large purchases like electronics or travel bookings.
    • Zero Liability on Lost Card: In case of loss or theft, cardholders face zero liability for fraudulent transactions reported within 48 hours. This feature provides peace of mind, especially during travel, ensuring financial security if the card is misplaced or stolen.
    • Cash Withdrawal Facility: The card allows cash withdrawals up to 70% of the credit limit at ATMs, offering liquidity for emergencies. While a cash advance fee and interest apply, this feature ensures cardholders have access to funds when needed, complementing the card’s versatility.
    • Online Banking Integration: The card integrates with IDBI’s GO Mobile+ app and net banking, allowing users to track transactions, check balances, and make payments conveniently. Real-time alerts for transactions further enhance transparency and control over spending.
    • Customizable Card Controls: Through the Abhay App, net banking, or mobile banking, cardholders can toggle between domestic and international usage, set transaction limits, or disable specific features like online payments, providing tailored control over card usage.
    • Verified by Visa Security: The card is equipped with Verified by Visa for secure online transactions, requiring authentication via OTP or PIN. This feature minimizes the risk of skimming or unauthorized online purchases, ensuring safe e-commerce experiences.
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Benefits of IDBI Bank Platinum Credit Card

  • 1. Fuel Surcharge Waiver:
    • 1% Waiver: Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel station in India.
    • Maximum Benefit: Up to ₹300 waiver per billing cycle, ideal for regular commuters and drivers.
    • Nationwide Validity: Applicable across all fuel stations using IDBI Bank Platinum Credit Card.
  • 2. Complimentary Domestic Lounge Access:
    • 2 Visits/Quarter: Get two free lounge visits per calendar quarter at select domestic airports.
    • Enhanced Travel Experience: Access amenities such as Wi-Fi, refreshments, and comfortable seating while traveling.
    • Visa Powered: Lounge access benefit provided via the Visa network, ensuring wide acceptance.
    • Travel Concierge Services: Visa’s concierge team helps with hotel bookings, dining reservations, and travel planning, offering stress-free arrangements for busy professionals and families.
    • Personal Accident Insurance: Coverage up to ₹2 lakhs in case of accidents offers extra protection, ideal for frequent travelers and those with active lifestyles.
    • Reward Redemption Flexibility: Delight Points can be redeemed for cashback (4 points = ₹1), travel, gift cards, or merchandise via the IDBI Delight portal and Max Get More partners. Points remain valid for 3 years.
    • No Joining or Annual Fees (Aspire Platinum): The Aspire variant offers lifetime free card ownership, making it ideal for first-time users and those seeking zero maintenance cost.
    • Welcome Bonus Incentives: Receive 500 Delight Points as a welcome offer (300 for subsequent usage), encouraging early spending and rewards optimization.
    • EMI Conversion for Purchases: Transactions above ₹3,000 can be converted into EMIs, easing the burden of large purchases like electronics or travel expenses.
    • Global Customer Assistance: 24/7 support via toll-free helplines (8885545255), ensuring help is available anywhere, anytime, especially useful when traveling.
    • Purchase Protection: Up to ₹50,000 coverage on household goods against fire and burglary, valid if two purchases are made within the last 3 months.
    • Zero Liability on Fraudulent Transactions: Report unauthorized usage within 48 hours to receive full liability protection up to the credit limit.
    • Lifestyle Discounts: Enjoy exclusive deals and offers on dining, shopping, travel, and entertainment across partner merchants and online platforms.
    • Milestone Rewards: Earn extra Delight Points, such as 500 bonus points for completing five ₹1,000+ transactions in a month, encouraging consistent usage.
    • Enhanced Security: EMV chip with PIN authentication and Verified by Visa ensure strong protection for both online and offline transactions.
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How to Apply for the IDBI Bank Platinum Credit Card

  • Eligibility Check: Ensure the applicant is an Indian resident aged 21–60 (65 for self-employed). Add-on cardholders must be at least 18 years old.
  • Online Application: Visit the IDBI Bank website → Credit Cards → Platinum Credit Card → Apply Now.
  • Fill Online Form: Enter personal, contact, and income details in the application form.
  • Upload Documents: Attach scanned copies of identity proof, address proof, income proof, and recent photo.
  • Receive Confirmation: Get SMS/email confirmation with application ID and status tracking link.
  • Branch Visit: Visit the nearest IDBI Bank branch, request a physical application form, and submit it with documents and a passport-sized photo.
  • Required Documents:
    • Identity Proof: PAN Card, Aadhaar, Passport, Voter ID, or Driving License
    • Address Proof: Aadhaar, Passport, Voter ID, Utility Bill, or Election Card
    • Income Proof: Salary slips (last 3 months), bank statements, ITRs, or Form 16
    • For Imperium Platinum: Confirmation of Deposit (COD) of ₹20,000+ (not held by minors, NGOs, HUFs, etc.)
    • Photograph: One recent passport-sized photo
  • Processing Time: Approval typically within 7–10 working days
  • Post-Approval Steps:
    • Credit card dispatched via Blue Dart or India Post
    • Track delivery using AWB number sent via SMS/email
  • Tips for Successful Application:
    • Maintain a good credit score (700+ preferred)
    • Ensure document clarity and accuracy
    • Meet income and deposit requirements for respective variants
    • Avoid multiple credit card applications simultaneously
  • Customer Support:
    • Toll-Free Numbers:8885545255
    • Branch Assistance: Get in-person help at any IDBI Bank branch

Eligibility Criteria for IDBI Bank Platinum Credit Card

  • 1. Age Requirements
    • Salaried Individuals: 21 to 60 years
    • Self-Employed Individuals: 21 to 65 years
    • Add-On Cardholders: Minimum age 18 years
  • 2. Income Stability
    • Applicants must have a stable and verifiable source of income
    • Salaried: Must be employed in a reputed organization
    • Self-Employed: Consistent income from business or profession
    • No fixed income threshold disclosed, but stable earnings are critical
  • 3. Nationality and Residency
    • Available to Indian residents and Non-Resident Indians (NRIs)
    • Proof of residency in India required
    • Applicants in “No Issue Zones” may be restricted
  • 4. Credit Score and History
    • Minimum CIBIL Score: 700 preferred
    • Score of 750+ ideal for faster approval
    • Must have no history of defaults or irregular repayment
  • 5. Employment Status
    • Salaried: Must work for a recognized company (public or private)
    • Self-Employed: Business owners and professionals must show consistent income
    • Existing account holders may receive preference
  • 6. Add-On Card Eligibility
    • Family members aged 18 and above are eligible
    • Add-on cardholders must be related to the primary cardholder
  • 7. Geographic Restrictions
    • Application availability may vary by region
    • Applicants from certain PIN codes may not be eligible
  • 8. Other Considerations
    • Applicants with multiple existing credit cards (7–8) may face rejection
    • High number of recent credit inquiries may affect approval
    • Approval subject to IDBI Bank’s internal credit policies
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Documents Required for IDBI Bank Platinum Credit Card

  • 1. Identity Proof (Any One):
    • Aadhaar Card: Government-issued unique ID preferred for digital applications
    • PAN Card: Mandatory for tax compliance and credit profiling
    • Passport: Valid national/international ID with address
    • Voter ID: Election Commission-issued identity card
    • Driving License: RTO-issued, must contain valid name and photo
  • 2. Address Proof (Any One):
    • Aadhaar Card: Can be used if address matches current residence
    • Passport: Accepted if the residential address is current
    • Voter ID: Should reflect applicant's latest address
    • Utility Bills: Latest electricity, telephone, or water bill (within last 3 months)
    • Driving License: Address must be up to date and legible
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 3 months’ salary slips
      • Bank statement for last 3 months showing salary credits
      • Form 16 or latest ITR
    • Self-Employed Individuals:
      • Latest ITR with income computation
      • Last 3 months’ business bank statements
      • Business financials (P&L, balance sheet if applicable)
    • FD-Backed Applicants:
      • Fixed Deposit receipt or discharge confirmation (for Imperium variant)
  • 4. Photograph: One recent passport-sized color photograph for form submission or upload during online application.
  • 5. Additional Documents (If Requested):
    • Channel Registration Form (for add-on card or secured card requests)

Factors Affecting Eligibility for IDBI Bank Platinum Credit Card

  • 1. Credit Score and History: A CIBIL score of 700–750+ boosts approval chances. Missed payments, high utilization, or defaults can lower the score and lead to rejection.
  • 2. Income Level and Stability: While no minimum income is specified, consistent salary credits or stable business income increase approval odds. Irregular or recently changed income sources may be scrutinized.
  • 3. Existing Relationship with IDBI Bank: Holding a savings/salary account or fixed deposit with IDBI Bank strengthens your profile. The card can even be secured against a fixed deposit (e.g., Imperium Platinum).
  • 4. Location and Serviceability: Applicants from urban, bank-serviced locations like Mumbai, Delhi, or Bangalore are preferred. Applications from non-serviceable or “No Issue Zones” may be rejected.
  • 5. Number of Existing Credit Cards: Having too many active credit cards (e.g., 7–8) may raise concerns about credit overuse. Maintaining a low number of well-managed cards is ideal.
  • 6. Debt-to-Income Ratio (DTI): A DTI ratio below 40% is preferred. If a large portion of income is already allocated to loan EMIs or card payments, approval chances drop.
  • 7. Application Accuracy: Ensure all application details are correct. Mismatches between the form and documents can lead to rejections or processing delays.
  • 8. Employment Profile: Salaried employees in reputed companies and self-employed professionals with strong financials are preferred. Frequent job changes or unstable businesses may be red flags.
  • 9. Credit Utilization Ratio (CUR): A CUR below 30% indicates healthy credit behavior. Maxed-out cards or frequent near-limit usage signals financial stress.
  • 10. Payment Track Record: A history of timely repayments, no late fees, and no settlements improves your credibility and approval chances.
  • 11. Banking & Financial Discipline: Responsible usage of existing bank accounts, loans, or cards—even with other banks—positively influences the approval process.

Frequently Asked Questions (FAQs) – IDBI Bank Platinum Credit Card

1. What are the key features of the IDBI Bank Platinum Credit Card?
Offers reward points on every spend, complimentary airport lounge access (terms apply), fuel surcharge waiver, contactless payment facility, and zero liability on lost card (if reported promptly).
2. What is the annual fee for this card?
The card may have an annual fee, often waived if annual spending crosses the bank-defined threshold. Please check with IDBI Bank for the latest terms.
3. What is the interest rate and finance charges?
Typically, 3.5% per month (approximately 42% per annum), subject to change. Refer to the bank’s latest schedule of charges.
4. How can I redeem reward points?
Reward points can be redeemed for cashback, merchandise, gift vouchers, and more through the IDBI Bank Rewards Portal.
5. Does the IDBI Platinum Credit Card offer airport lounge access?
Yes, the card generally offers complimentary domestic airport lounge access, subject to limited visits per quarter or year.
6. Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on fuel transactions across India (terms and monthly limits apply).
7. What is the credit limit on this card?
Credit limit is assigned based on income, credit score, and bank policies. It usually starts from ₹50,000 and may increase over time.
8. How can I check my IDBI Platinum Credit Card balance and statement?
Use IDBI Bank’s Internet Banking, Mobile App, or contact customer care to check your balance and download your statement.
9. What are the late payment charges?
Late payment fee is usually ₹500 + GST if the minimum due is not paid on time. Refer to the latest fee schedule for details.
10. How do I apply for the IDBI Platinum Credit Card?
You can apply online through the IDBI Bank website, by visiting a nearby branch, or by calling customer service.

List of IDBI Bank Platinum Credit Card Branches in Andhra Pradesh

  • Anantapur - Station Road
  • Guntakal - Andhra Pradesh
  • Hindupur - M F Road
  • Tadpatri - C B Road
  • Dharmavaram - Market Street
  • Chittoor - Gandhi Road
  • Tirupati - Tilak Road
  • Madanapalle - Andhra Pradesh
  • Kuppam - T B Road
  • Punganur - M B Street
  • Kadapa - Nagarajupeta
  • Proddatur - Andhra Pradesh
  • Rayachoti - Main Road
  • Kakinada - Main Road
  • Rajahmundry - J N Road
  • Amalapuram - Andhra Pradesh
  • Tuni - Post Office Road
  • Mandapeta - Market Street
  • Guntur - Lakshmipuram