IDBI Bank Imperium Platinum Credit Card

The IDBI Bank Imperium Platinum Credit Card is a secured Visa credit card available to individuals who pledge their own fixed deposit(s) with IDBI Bank. This card offers the convenience of credit backed by your Fixed Deposit with added benefits like reward points, interest-free credit period, and international acceptance. This card is tailored for users seeking a secured credit option with basic rewards and everyday utility, making it a suitable choice for those building credit or leveraging deposits to access credit services.

IDBI Bank Imperium Platinum Credit Card

Joining Fees	Rs. 499
Annual Fees	Rs. 499
Card Type	Travel, Rewards
Network Type	Visa

Rewards & Benifits

Earn 2 Delight Points for every Rs. 150 spent.
Welcome bonus of 500 Delight Points.
Interest-free credit period up to 48 days.
Wide acceptance at merchants in India and abroad.
Zero liability for fraudulent transactions after reporting loss.
Add-on card available for family members.

Fees & Charges

Joining Fee: Rs. 499 (Primary) and Nil (Add-on)
Annual Fee: Rs. 499 (Primary) and Nil (Add-on)
Annual fee waived on spends > Rs. 75,000 per year.
Card account closure charge: Rs. 999 if closed within one year.
Interest on revolving credit: 2.9% per month.
Cash advance fee: 2.5% or Rs. 500 minimum.

Card Details

Secured credit card against your own Fixed Deposit(s).
Credit limit up to 85% of Fixed Deposit value.
Cash withdrawal limit up to 70% of credit limit.
Visa offers on travel, hotel, and airport shopping.

Pros & Cons

Useful for credit-building with secured credit.
Rewards on every spend with welcome bonus points.
Interest-free period for purchases.
Wide domestic and international acceptance.

Secured nature means FD tie-up required.
Annual fee applicable with spend threshold to waive.
Limited premium benefits compared to other cards.
Not ideal for heavy rewards or travel perks seekers.

ELIGIBILITY CRITERIA
• The primary and add-on cardholders must be 18 years and above.
• Minimum eligible Fixed Deposit amount is Rs. 20,000 or equivalent FCNR deposit.
• Certain types of FDs (e.g., HUF, NGO, Trusts, Sweep-out FDs, Tax Saving FDs) are not eligible.
• Account operation must be singly or in specific survivor modes; jointly operated accounts are not eligible.

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WELCOME BENEFITS
• Welcome bonus of 500 Delight Points.

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CARD REVIEW
The IDBI Bank Imperium Platinum Credit Card is a secured Visa card that leverages your fixed deposit to extend credit, making it suitable for customers with limited credit history or those who prefer a secured credit option. With basic reward earnings and a welcome bonus, it offers modest value for everyday spends. The interest-free credit period and global acceptance add convenience. However, the need to block a fixed deposit, a modest reward rate, and minimal premium features limit its appeal for frequent travelers or rewards-focused users. Overall, this card is best for first-time credit users or those seeking a secured credit line with essential benefits

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

IDBI Bank Imperium Platinum Credit Card