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IDBI Bank
VISA
Aspire Platinum

IDBI Bank Aspire Platinum

IDBI Bank's lifetime-free entry-level Visa Platinum with 2 Delight Points per ₹150 spent, milestone bonuses, and 1% fuel surcharge waiver — no lounge access.

fees-freefirst-timers

Last reviewed 26 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining fee and no annual/renewal fee for the life of the card

Eligibility

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

all other1.33x points

Welcome benefits

  • • 500 Delight Points on a first transaction of ₹1,500 or more made within 30 days of card activation (reduced to 300 points if the first transaction happens between 31–90 days)

Perks

  • ✓Fuel surcharge waiver: 1%On transactions between ₹400–₹4,000 at fuel stations; total waiver capped at ₹300/month
  • ✓Forex markup: 3.5%
  • ✓Concierge service
  • ✓Zero liability protection for fraudulent transactions once loss is reported
  • ✓Up to 48 days of interest-free credit period on purchases
  • ✓Add-on cards available for family members aged 18+
  • ✓Milestone bonus: 1,000 Delight Points on ₹1 lakh net annual spend, 1,500 more on ₹2 lakh net annual spend
  • ✓No fee on reward point redemption
  • ✓Accepted at over 9 lakh merchants in India and 29 million merchants abroad via Visa network
  • ✓Visa travel concierge and offers on airport shopping, hotels, and car rentals
  • ✓EMI facility available on transactions of ₹3,000 or more

Common questions

What is the annual fee on the IDBI Bank Aspire Platinum?
The joining fee is ₹0. The annual fee is ₹0. No joining fee and no annual/renewal fee for the life of the card
What are the reward rates on the IDBI Bank Aspire Platinum?
IDBI Bank Aspire Platinum earns 1.33x points on all other spends.
Does the IDBI Bank Aspire Platinum offer airport lounge access?
No, the IDBI Bank Aspire Platinum does not include complimentary airport lounge access.
Who is eligible for the IDBI Bank Aspire Platinum?
Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by IDBI Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
1.33x points
Estimated annual value—
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