CREDIT CARD ISSUER

IDBI Bank Credit Cards

Q: How do I apply for a IDBI Bank credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen IDBI Bank card. You will be redirected securely to IDBI Bank's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for IDBI Bank credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on IDBI Bank credit cards?

Many IDBI Bank credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do IDBI Bank credit cards support RuPay UPI payments?

Yes, IDBI Bank issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

IDBI Bank provides retail banking, card and payment services for customers across India.

Official Portal Support Compare vs Rivals

Total Offerings

5 Active Cards

Fee Range

₹0 (LTF) – ₹1,499

Payment Networks

Visa • Mastercard • RuPay

Zero Fee / LTF

Spend Waiver

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IDBI BANK PORTFOLIO

IDBI Bank Credit Cards

Explore 5 active cards and filter them by how you spend.

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Showing 5 of 5 verified IDBI Bank credit cards

Verified

3.8

IDBI Aspire Platinum Credit Card

TravelShoppingDining

BEST FOR

Young executives, first-time salaried applicants, and everyday utility spends

Annual Fee₹499

Rewards2 Delight points for every Rs 150 spent on shopping, dining, traveling

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.0

IDBI Bank Imperium Platinum Credit Card

Shopping

BEST FOR

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

Annual Fee₹499

Rewards2 Delight Points on every Rs 150 spent

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹75,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.2

IDBI Bank Royale Signature Credit Card

ShoppingAirport Lounge

BEST FOR

IDBI Bank priority customers looking for airport lounge comfort, travel insurance protection, and accessible spend-based fee reversals.

Annual Fee₹0 (Free)

Rewards3 Delight Points per Rs. 100 spent using the card

Lounge Access4 Domestic visits/year

Forex Markup3.5%

Last verified 3 Oct 2026

visa

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Verified

4.2

IDBI Euphoria World Credit Card

TravelShoppingAirport Lounge

BEST FOR

Affluent IDBI Bank account holders seeking travel comfort, domestic airport lounge visits, and curated golf privileges.

Annual Fee₹1,499

Rewards3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,50,000 annual spend

Last verified 3 Oct 2026

mastercard

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Verified

4.3

IDBI Winnings RuPay Select Credit Card

ShoppingAirport Lounge

BEST FOR

IDBI Bank account holders seeking lifestyle wellness perks, golf rounds, and domestic airport lounge comfort combined with RuPay credit on UPI integration.

Annual Fee₹899

RewardsEarn 500 delight points or more on making 5 transactions worth Rs. 1000 per month. Earn 2 delight points on every Rs. 100 spent on this card.

Lounge Access8 Domestic + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹90,000 annual spend

Last verified 3 Oct 2026

rupay

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COMPETITOR BENCHMARK

Compare IDBI Bank vs Competitor Banks (2026)

Benchmark IDBI Bank flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

IDBI Bank vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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About IDBI Bank Credit Cards

Issuer history, core reward architecture, and market position

Why Choose IDBI Bank Credit Cards?

Distinctive advantages of holding cards from IDBI Bank

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

IDBI Bank Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About IDBI Bank Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a IDBI Bank credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen IDBI Bank card. You will be redirected securely to IDBI Bank's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for IDBI Bank credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on IDBI Bank credit cards?

Many IDBI Bank credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do IDBI Bank credit cards support RuPay UPI payments?

Yes, IDBI Bank issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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