IDBI Bank Credit Cards – Features & Benefits
IDBI Bank, Industrial Development Bank of India originally established in 1964 under an Act of Parliament as a wholly owned subsidiary of the Reserve Bank of India. IDBI Is one of the most famous Banks in Maharashtra as 854 Branches alone are in this single state.
Ownership transferred to the Government of India in 1976, positioning it as the apex institution coordinating development finance, and it transformed into a full-service commercial bank in 2004.
List Of IDBI Bank Credit Cards 2026
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
IDBI’s Unique Edge
IDBI distinguished itself from a typical commercial bank partly via its start in industrial development, placing emphasis on both refinancing loans for other institutions and direct financing in a service to facilitate broader economic growth in pre-reform India.
Unlike banks with emphasis only on deposits and short-term lending, IDBI initiated and developed capital market institutions including SEBI and NSE with emphasis on backward areas of the country and employment generation.
Its credit cards now combine secured options with a top edge offering of premium rewards, fuel waivers, and lounge access specific to Indian consumers who want value-driven spending.
Imperium Platinum Credit Card
This secured Visa card offers credit limits up to 85% of a minimum Rs. 20,000 fixed deposit, ideal for building credit history without income proof beyond the FD.
- Earn 2 Delight Points per Rs. 150 on shopping, movies, and travel, with 500-point welcome bonus on Rs. 1,500 spent within 30 days; redeem at 1 point = Rs. 0.25 for cashback or gifts.
- Enjoy 48-day interest-free period, 1% fuel surcharge waiver up to Rs. 300/month, and free add-on cards.
- Joining/annual fee of Rs. 499, waived on Rs. 75,000 annual spend; suits credit beginners.
Euphoria World Credit Card
Targeted at travellers, this Mastercard earns 6 Delight Points per Rs. 100 on hotels, airlines, IRCTC, and bus bookings, or 3 points otherwise, with 4,000 welcome points on Rs. 1,500 spent within 60 days.
- Unlimited domestic lounge access, Rs. 25 lakh air accident cover, and 1% fuel waiver up to Rs. 500/month.
- 48-day interest-free credit; no joining fee, Rs. 1,499 annual from year two (waived on Rs. 1.5 lakh spend).
- Eligibility: Age 21-60/65, income proof required for premium travel rewards.
Royale Signature Credit Card
A no-fee entry-level Visa card suited for everyday rewards, offering 3 Delight Points per Rs. 100 spent and 750 welcome points on first Rs. 1,500 use within 30 days.
- Quarterly domestic lounge access, Rs. 25 lakh air accident cover, and 1% fuel waiver (Rs. 400-5,000, max Rs. 500/month).
- Revolving interest at 2.5% monthly with global acceptance and 48-day interest-free period.
- Lifetime free with no joining/annual fees, perfect for daily spenders.
Aspire Platinum Credit Card
This lifetime-free Platinum card delivers 2 Delight Points per Rs. 150 on shopping, dining, and travel, with 500 welcome points on Rs. 1,500 spent within 30 days.
- 1% fuel waiver on Rs. 400-4,000 transactions, zero lost card liability, and 48-day interest-free period at 2.9% revolving rate.
- No fees for joining, annual, or add-ons; includes global Visa acceptance.
- Ideal for beginners seeking hassle-free rewards without costs.
| Feature | Imperium Platinum | Euphoria World | Royale Signature | Aspire Platinum |
| Joining/Annual Fee | Rs. 499 (waive >75k spend) | Nil/Rs.1499 yr2 (waive >1.5L) | Nil | Nil |
| Reward Rate | 2 pts/Rs.150 | 6 pts/Rs.100 travel, 3 else | 3 pts/Rs.100 | 2 pts/Rs.150 |
| Welcome Bonus | 500 pts (30 days) | 4,000 pts (60 days) | 750 pts (30 days) | 500 pts (30 days) |
| Lounge Access | None | Unlimited domestic | 1/quarter domestic | None |
| Fuel Waiver | 1% (max Rs.300/mo) | 1% (max Rs.500/mo) | 1% (max Rs.500/mo) | 1% (max Rs.300/mo) |
| Insurance | None specified | Rs.25L air accident | Rs.25L air accident | Lost card protection |
IDBI credit cards cater to diverse needs from secured entry to travel rewards, backed by a legacy of financial innovation.
FAQs
What is the minimum FD for Imperium Platinum?
Rs. 20,000; not eligible for HUFs or minors.
How to waive Euphoria annual fee?
Spend over Rs. 1.5 lakh yearly.
Does Royale offer lounge access?
Yes, one domestic visit per quarter.
Are Aspire fees lifetime free?
Yes, no joining or annual charges.
What redeems Delight Points?
Cashback, gifts, flights, via IDBI portal.