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IDBI Bank
VISA
Imperium Platinum

IDBI Bank Imperium Platinum

FD-secured Visa card from IDBI Bank for credit-building: ₹20,000 minimum deposit, credit limit up to 85% of FD value, 2 Delight Points per ₹150 spent.

fees-freefirst-timers

Last reviewed 26 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Annual fee waived if annual spends exceed ₹75,000 in the preceding year

Eligibility

Age: 18+ yrs

Employment: salaried, self employed, business owner, student

Rewards

all other1.33x points

Welcome benefits

  • • 500 Delight Points on card activation
  • • 500 Delight Points for the first transaction of ₹1,500 or more made within 30 days of card activation

Perks

  • ✓Fuel surcharge waiver: 1%On transactions between ₹400–₹4,000 at fuel stations; total waiver capped at ₹300/month
  • ✓Forex markup: 3.5%
  • ✓Zero liability protection for fraudulent transactions once loss is reported
  • ✓Secured card issued against a fixed deposit of ₹20,000 or more (or FCNR equivalent); FDs held by HUF, minor, NGO, trust, society, or sweep-out/tax-saving deposits are not eligible
  • ✓Credit limit set at up to 85% of the linked fixed deposit amount
  • ✓Cash withdrawal limit of up to 70% of the credit limit
  • ✓Up to 48 days of interest-free credit period on purchases
  • ✓Milestone bonus: 1,000 Delight Points at ₹1 lakh annual spend, and 1,500 more at ₹2 lakh annual spend
  • ✓Card closure within 1 year of issuance attracts a ₹999 fee (per aggregator sources; not stated on the official IDBI page)
  • ✓Add-on cards available for family members aged 18+ at no extra fee

Common questions

What is the annual fee on the IDBI Bank Imperium Platinum?
The joining fee is ₹499. The annual fee is ₹499. Annual fee waived if annual spends exceed ₹75,000 in the preceding year
What are the reward rates on the IDBI Bank Imperium Platinum?
IDBI Bank Imperium Platinum earns 1.33x points on all other spends.
Does the IDBI Bank Imperium Platinum offer airport lounge access?
No, the IDBI Bank Imperium Platinum does not include complimentary airport lounge access.
Who is eligible for the IDBI Bank Imperium Platinum?
Applicants typically need a minimum age of 18, and must be salaried or self employed or business owner or student. 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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