IDBI Aspire platinumVISA Credit Card
IDBI Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
The IDBI Aspire platinumVISA Credit Card is a value-oriented rewards card with a simple rewards engine, fuel surcharge waiver and no joining/annual fees at present. It suits customers who want consistent point accrual on everyday spends (shopping, dining, travel) and a small welcome gift without paying annual fees. The card also offers interest-free credit up to 48 days and standard IDBI safety features.
Features of IDBI Aspire platinumVISA Credit Card which makes it unique
Simple Rewards Engine
Flat reward rate across common spend categories
Predictable points accrual for everyday users
Easier to track than multi-tiered reward cards
Rewards Structure of IDBI Aspire platinumVISA Credit Card
Base
baseAll Spends
Fees & Charges of IDBI Aspire platinumVISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹950 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | ₹200 |
Renewal Conditions:No renewal fee (IDBI currently shows joining/annual/renewal as Nil). See MITC for exceptions.
Fee Explanation Fees follow IDBI’s published MITC: cash advance fees are 2.5% (or minimum ₹500), foreign currency markup ~3.5%, and late/overlimit charges vary by slab — refer to IDBI MITC for exact slabs.
Detailed Explanation of IDBI Aspire platinumVISA Credit Card Fees
Joining Fee: Nil (one-time)
IDBI currently lists joining fee as Nil. Check MITC for changes.
Annual Fee: Nil (yearly)
IDBI currently lists annual fee as Nil. Check MITC for changes.
Cash Advance Fee: 2.5% or ₹500 minimum (transaction)
Cash advance fee as per MITC: higher of 2.5% of transaction or ₹500.
Foreign Currency Mark-up: 3.5% (transaction)
Cross-currency mark-up on foreign currency transactions as published by IDBI.
Additional Features of IDBI Aspire platinumVISA Credit Card
Interest-free Credit
Up to 48 days interest-free credit on purchases
Full statement payment required to avoid interest.
Zero Lost Card Liability
Fraud protection if loss reported immediately
Follow IDBI reporting process via toll-free numbers.
Family/Add-on Cards
Add-on cards available for family members 18+; points clubbed with primary
Welcome Bonus with IDBI Aspire platinumVISA Credit Card
Welcome Bonus: 500 Delight Points
Bonus Conditions: Minimum single transaction ₹1,500 to qualify. Valid on first use within 30 days for 500 points; 300 points if first use between 31–90 days of issuance. New cardholders only.
Application Process for IDBI Aspire platinumVISA Credit Card
Processing Time
Varies (IDBI advises branch/call-back application; typical dispatch within 7–10 days)
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Contact IDBI phone banking or visit nearest branch to apply
Submit KYC and income documents
Wait for verification and credit approval
Card dispatched as per bank timelines
Required Documents for IDBI Aspire platinumVISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
IDBI Aspire platinumVISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Broad acceptance across India (IDBI lists >9 lakh merchants).
International Acceptance
Accepted at ~29 million merchants abroad via Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IDBI Aspire platinumVISA Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Resident of India; valid KYC (PAN, Aadhaar). Add-on cards available for family members aged 18+.
How Approval Is Decided
- Resident of India
- Primary cardholder aged 21–60 (65 for self-employed)
- Satisfactory KYC and credit assessment
Pros of IDBI Aspire platinumVISA Credit Card
- No joining/annual fees at present
- Straightforward rewards for everyday spends
- Fuel surcharge waiver helpful for regular drivers
Cons of IDBI Aspire platinumVISA Credit Card
- Low earn rate compared with premium reward cards
- No explicit complimentary lounge access or travel milestones
- Point-to-rupee redemption value is moderate; check IDBI Delight portal
Frequently Asked Questions about IDBI Aspire platinumVISA Credit Card
What is the welcome benefit for the IDBI Aspire Platinum card?
Get 500 Delight Points on first usage within 30 days of card issuance; 300 Delight Points if first usage is between 31–90 days. Minimum single transaction ₹1,500.
Is there an annual or joining fee?
IDBI currently lists joining, annual and renewal fees as Nil for the Aspire Platinum card. Always verify the MITC before applying.
How many reward points do I earn?
You earn 2 Delight Points for every ₹150 spent on eligible transactions (base earn rate).
Does the card offer a fuel surcharge waiver?
Yes — 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 with a maximum waiver of ₹300 per month (check MITC for exact terms).
How can I redeem Delight Points?
Delight Points can be redeemed via the IDBI/IDBI Delight portal for vouchers, cashback or partner redemptions — redemption value varies; refer to IDBI Delight for current rates.
What documents are required to apply?
ID proof (PAN, Passport, Voter ID, Driving Licence, Aadhaar), address proof, income proof (salary slip / bank statements / ITR) and recent photograph as per IDBI page.
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