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4.0/5 Editorial Score

IDBI Bank Imperium Platinum Credit Card

Everyday Retail Savings Credit Card with Low ₹50,000 Fee Waiver

Best Suited For

First-time cardholders and budget-conscious spenders seeking a dependable entry-level card from a trusted public sector institution.

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Joining Fee

Free

One-time upfront

Annual Fee

₹499

Waived on ₹75,000 annual spend

Base Rewards

2 Delight Points on every Rs 150 spent

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.0/5 Editorial Score

The IDBI Bank Imperium Platinum Credit Card is an accessible retail credit instrument created for salaried professionals and first-time applicants. With zero joining fee and an annual fee of just ₹499 plus GST (reversed upon spending ₹50,000 annually), it allows cardholders to build credit without recurring financial strain. Cardholders earn 2 Delight points per ₹100 spent on routine retail shopping, groceries, and dining. Spenders also benefit from a 1% fuel surcharge waiver at all authorized fuel retail stations across India, alongside complimentary zero lost-card liability protection upon immediate loss reporting. For account holders at IDBI Bank seeking a straightforward payment tool with low waiver thresholds, Imperium Platinum is a practical choice.

Ideal For:First-time cardholders and budget-conscious spenders seeking a dependable entry-level card from a trusted public sector institution.

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Card Strengths

Zero Joining Fee: No upfront joining fee, allowing cardholders to access credit without initial cost.
Low ₹50,000 Spend Waiver: Annual fee of ₹499 is waived upon spending ₹50,000 in eligible retail transactions during the card year.
2 Delight Points on Retail: Earn 2 Delight reward points per ₹100 spent on household groceries, dining, and retail purchases.
1% Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India.
Accessible Eligibility: Favorable approval criteria designed for first-time credit card applicants and entry-level employees.

Things to Keep in Mind

₹499 Annual Fee: Annual fee applies if the annual spend waiver threshold of ₹50,000 is not achieved.
No Airport Lounge Access: Does not provide complimentary domestic or international airport lounge visits.
Standard 3.50% Forex Fee: Charges standard 3.50% foreign exchange markup on cross-border transactions.
Modest Base Reward Yield: Base retail reward yield delivers approximately 0.50% value return.

Additional Cardholder Privileges

Rewards

2 Delight Points on every Rs 150 spent

Welcome

Welcome Benefit 1

Up to 800 Bonus Delight Points

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: IDBI Delight Points (Imperium Platinum)
Reward Currency: IDBI Delight Points
Base Earn Rate: 2 Delight Points on every Rs 150 spent
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Welcome Benefit	500 points on card activation + 500 points on transaction of ₹2,000+ within 30 days	No Cap	Standard terms apply
All Retail Spends	2 IDBI Delight Points per ₹150 spent (0.33% valueback; 1 DP = ₹0.25)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Welcome Benefit5.00%

No published cap

₹

All Retail Spends0.33%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Welcome Benefit	₹12,000	500 points on card activation + 500 points on transaction of ₹2,000+ within 30 days	—	None	Calculating...	Under cap
All Retail Spends	₹18,000	2 IDBI Delight Points per ₹150 spent (0.33% valueback; 1 DP = ₹0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹75,000 annual spend
Fee Terms Notes: Secured Visa Platinum credit card against Fixed Deposit; ₹0 joining fee; annual fee waived on ₹75,000 spend; 2 Delight points per ₹150 spent

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Salaried professionals with monthly income over ₹20,000 or self-employed with ITR over ₹2.5 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹499 annual renewal fee (waived on spending ₹50,000 in previous card year). • Rewards Structure: Earn 2 Delight reward points per ₹100 on retail transactions with accelerated rewards on utility bills and groceries. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per statement). • Forex Markup: Standard foreign exchange fee of 3.50% + GST on cross-border transactions. • Zero Liability: Zero fraud liability protection on unauthorized transactions post immediate reporting of lost or stolen card.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding IDBI Bank Imperium Platinum Credit Card application, fees, reward redemption, and eligibility

What is the joining fee and annual fee for IDBI Imperium Platinum?

The joining fee is ₹0. The annual renewal fee is ₹499 plus GST, which is completely waived upon spending ₹50,000 or more in retail transactions during the card anniversary year.

Does IDBI Imperium Platinum offer airport lounge access?

No, the IDBI Imperium Platinum Credit Card does not offer complimentary airport lounge access. It is focused on everyday retail, groceries, and utility savings.

What is the reward rate on grocery and retail spending?

You earn 2 Delight points per ₹100 spent on retail purchases, groceries, and dining, offering an effective 0.50% value return.

What is the minimum income required for IDBI Imperium Platinum?

Applicants generally need a minimum monthly income of ₹20,000 for salaried employees and an established credit score of 700 or higher.

What is the joining and annual renewal fee for IDBI Bank Imperium Platinum Credit Card?

The joining fee for IDBI Bank Imperium Platinum Credit Card is Free (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on IDBI Bank Imperium Platinum Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹75,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on IDBI Bank Imperium Platinum Credit Card?

IDBI Bank Imperium Platinum Credit Card offers 2 Delight Points on every Rs 150 spent. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does IDBI Bank Imperium Platinum Credit Card offer complimentary airport lounge access?

No, IDBI Bank Imperium Platinum Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.