IDBI Bank Credit Card – How to Apply?

Want a reliable, everyday credit card that brings you exciting perks and privileges such as rewards points and money-saving benefits in every swipe? IDBI Bank allows you to get the best out of everyday living by offering you a promising selection of elite credit cards. Whatever your needs may be, an IDBI Bank Credit Card is a great choice. To learn more how to apply for an IDBI Bank Credit Card, read on.


IDBI Bank Credit Card Features and Benefits

To help you understand the advantages you can gain through applying for an IDBI Bank Credit Card, let’s put a spotlight on the Aspire Platinum Credit Card (available in Visa).

The IDBI Bank Aspire Platinum Credit Card offers a wealth of bonuses. This is perfect for those who aspire to earn more rewards and who wish to experience convenience wherever they go. This credit card allows you to earn 2 Delight Points for every ₹ 150 spent. Even better, you will be given a welcome gift of 500 Delight Points when you use your card within 30 days, and 300 Delight Points when you use your card 31 to 90 days after the date of issue.


Simply redeem your points for shopping gift certificates, movie tickets, airline miles, and much more! With worldwide acceptance, you can use it in over 9 lakh merchants in India and in over 29 million partner establishments around the globe.

Love discounts and perks? You’ll get exclusive dining, shopping, traveling, and other lifestyle privileges unlike any other with the IDBI Bank Aspire Platinum Credit Card!


Want to save more money using this card? You’ll be happy to know that you’ll be paying 0% fuel surcharge every time you fuel up using your Aspire Platinum Credit Card. This covers transactions ranging from ₹ 400 to ₹ 4,000.

Do you need to have an everyday credit card that can provide you with amazing perks, reward points and money-saving benefits? Then apply for IDBI Bank Credit Card, here's how to apply.

Applying for an IDBI Bank Credit Card

Requesting an IDBI Bank Credit Card is quite easy. All you need to do is to visit their website then provide your contact details and a bank representative will call you back. Some of the documents they might ask for during this call include proof of ID, proof of residence, proof of income (such as payslips, a bank statement and recent tax return), and a recent photograph.

To apply, you should be between the ages of 21 and 60 years old and should have good credit standing. After the initial call back, the bank will then process your application. If approved, they will determine your credit limit based on your financial documents.

IDBI Bank Credit Card Fees

In owning an IDBI Bank Aspire Platinum Credit Card, it’s best to know the fees you are going to pay in the long run.

The good news is that if you join now, you can avail of the complimentary joining fee! Even better, you only have to pay an annual fee of ₹ 499! You can even get supplementary credit cards for free!

For this particular credit card there is a competitive 2.9% monthly interest rate.

Other fees you might want to consider include the cash advance fee of 2.5% or ₹ 300 (whichever is higher), and the late payment charge, ranging from ₹ 100 to ₹ 750 depending on the amount due.

In the end, there’s nothing like experiencing life’s little luxuries. With the IDBI Bank Aspire Platinum Credit Card, you can finally feel like you’re on top of the world with all the premier discounts and perks you can get. If you’re a first time cardholder, it is best to start off with a more versatile, low fee every day credit card with less strict income requirements. To see more IDBI credit cards, visit their website.