IDBI Imperium Platinum VISA Credit Card
IDBI Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
IDBI Imperium Platinum VISA Credit Card is a secured credit card issued against your IDBI Bank fixed deposit, designed for beginners, credit builders, and conservative users who want a low-risk way to enter the world of credit cards. You earn Delight Points on everyday spends like shopping, movies, dining and travel while enjoying a high credit limit of up to 85% of your FD and a generous cash withdrawal limit of up to 70% of that limit. The card offers standard fuel surcharge waiver benefits, zero lost card liability insurance and up to 48 days of interest-free credit, making it a practical daily-use card. Because it is FD-backed, approval is easier compared to unsecured cards, making this IDBI Imperium Platinum VISA Credit Card a solid option if you are new-to-credit, rebuilding your score or want a rewards card without relying on salary slips.
Features of IDBI Imperium Platinum VISA Credit Card which makes it unique
FD-Backed Credit Builder
Secured credit card issued against an IDBI Bank fixed deposit, ideal for building or rebuilding your credit profile.
Higher approval chances for new-to-credit users and those with thin credit files, while still earning reward points.
Easier approval than many unsecured entry-level credit cards in the same fee range.
High Cash Withdrawal Limit
Cash withdrawal limit of up to 70% of your assigned credit limit, higher than many regular cards.
Extra liquidity during cash emergencies without fully breaking your fixed deposit.
More generous ATM cash limit than several competing secured credit cards.
Flexible Fee Waiver Threshold
Annual fee waiver on achieving a realistic yearly spend target of ₹75,000.
Regular users can effectively enjoy the card at a low net cost while still earning Delight Points.
Fee waiver slab is competitive within the ₹499 fee segment of secured credit cards.
Rewards Structure of IDBI Imperium Platinum VISA Credit Card
All Retail Spends
baseEligible POS and online transactions on shopping, movies, dining, travel, utilities and everyday spends, excluding wallet loads, cash advances, EMI-on-cards, fees, interest, fuel surcharge and other excluded MCCs as per IDBI Delight rules.
Each Delight Point is typically worth around ₹0.25 at the time of redemption, giving an approximate effective reward rate of about 0.33% on general spends, which can be used for travel, shopping vouchers, recharges and other catalogue options.
IDBI Delight Rewards Redemption
baseAccumulated Delight Points redeemed via IDBI Delight portal or partner channels.
You can redeem Delight Points for flight tickets, hotel stays, shopping vouchers, gift cards, bill payments, mobile/DTH recharge and other catalogue options. Conversion value can vary by partner; always check the Delight portal for the best-value redemptions.
Excluded Transactions
baseCash advances, fees & charges, interest, disputed transactions, wallet and prepaid loads, government payments, rental payments and other restricted MCCs.
IDBI Bank and VISA reserve the right to modify the list of excluded categories at any time. Always refer to the Delight programme T&Cs for the latest list of non-earning transactions.
Milestones of IDBI Imperium Platinum VISA Credit Card
Annual Fee Waiver Milestone
₹75,000 in a card anniversary year : Renewal fee of ₹499 + GST waived for the next year
Fees & Charges of IDBI Imperium Platinum VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹950 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Joining fee and annual fee of ₹499 + GST are applicable on the primary card. Renewal fee of ₹499 is waived when your annual spends on the IDBI Imperium Platinum VISA Credit Card are ₹75,000 or more in the previous year. Add-on cards have no joining or annual fees as per current bank policy, but fees and waiver slabs can change as per IDBI Bank’s latest MITC.
Fee Explanation IDBI Imperium Platinum VISA Credit Card typically charges 2.5% of the cash advance amount (minimum ₹500) as cash advance/ATM cash withdrawal fee. Finance charges on revolving credit and cash advances are around 2.9% per month (34.8% p.a.) on unpaid balances. Late payment charges are slab-based: Nil up to ₹500, then increasing to ₹400, ₹500, ₹750 and up to ₹950 for higher statement balances, as per the latest MITC and Key Fact Statement. Overlimit fee is usually 2.5–3% of the overlimit amount (minimum ₹500). A standard forex markup of around 3.5% + GST is applicable on international transactions as per IDBI Bank credit card terms. Always refer to the latest MITC on IDBI Bank’s website for exact, current fees and charges before using the card for high-value spends.
Detailed Explanation of IDBI Imperium Platinum VISA Credit Card Fees
Joining Fee: ₹499 + GST (once)
Charged on primary IDBI Imperium Platinum VISA Credit Card in the first year.
Annual / Renewal Fee: ₹499 + GST (yearly)
Charged every year on primary card; waived on annual spends of ₹75,000 or more. No renewal fee on add-on cards as per current schedule of charges.
Finance Charges: 2.9% per month (34.8% p.a.) (monthly)
Applicable on unpaid retail transactions and cash advances from transaction date until full payment, as per IDBI Bank MITC.
Cash Advance / ATM Withdrawal Fee: 2.5% (min ₹500) (transaction)
Charged on each cash withdrawal at ATMs; additional finance charges apply from date of withdrawal.
Overlimit Fee: 2.5% (min ₹500) (event)
Charged when total outstanding exceeds the assigned credit limit at any time during the billing cycle.
Late Payment Fee: Up to ₹950 (statement)
Slab-based late payment charges depending on total statement balance when Minimum Amount Due is not paid by the due date.
Returned Payment / Cheque Bounce: ₹500 (event)
Payable on cheque, ECS, NACH or auto-debit returns towards credit card bill payment.
Fuel Surcharge: 1% waiver (max ₹300/month) (monthly)
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 at all petrol pumps in India, subject to a maximum waiver of ₹300 per billing cycle; GST on surcharge may not be waived.
Lounge Access Benefits with IDBI Imperium Platinum VISA Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
IDBI Imperium Platinum VISA Credit Card does not provide fixed complimentary airport lounge visits from IDBI Bank. Cardholders may access participating Visa airport lounges in India on a paid basis or under limited-time Visa promotional offers, subject to separate lounge programme terms and charges.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge access is bundled with this card. You can swipe the card at select international lounges that accept Visa for paid entry or offers, if any, as per Visa’s global lounge programme.
Insurance Coverage with IDBI Imperium Platinum VISA Credit Card
Zero Lost Card Liability
Up to the credit limit on the cardCardholder is protected against fraudulent transactions made on the card after reporting loss/theft to IDBI Bank’s 24x7 customer care within the stipulated time (typically within 48 hours). Transactions prior to reporting, family/friendly fraud and PIN/OTP compromised cases may not be covered. Insurance is provided by a third-party insurer as per IDBI Bank’s tie-up.
Additional Features of IDBI Imperium Platinum VISA Credit Card
FD-Backed Secured Credit Limit
Get a credit limit of up to 85% of your IDBI Bank fixed deposit value, with up to 70% of that limit available as cash withdrawal.
Minimum FD of ₹20,000 required; lien is marked on the FD and must be maintained for the life of the card. Premature FD closure or non-payment can lead to lien invocation.
Add-on Cards
Option to issue add-on IDBI Imperium Platinum VISA Credit Cards to eligible family members aged 18 years and above.
Primary cardholder is responsible for all spends on add-on cards. Delight Points from add-on cards are clubbed with the primary card for redemption and fee waiver calculations.
Interest-free Credit Period
Up to 48 days of interest-free credit on eligible retail transactions.
Interest-free period is available only when the previous statement balance is paid in full by the due date and no revolving balance is carried forward. Not applicable to cash advances.
Digital Welcome e-Kit
Digitised welcome kit with card usage guide, Cardholder Agreement and MITC available online.
Shared over email or via download links after card issuance to support IDBI Bank’s Go Green initiative.
EMI Conversion Facility
Eligible high-value retail purchases can be converted into EMIs via IDBI Bank’s credit card EMI facility.
Minimum transaction amount and flat/percentage processing fees apply. Tenures and interest rates are as per prevailing EMI grid.
Welcome Bonus with IDBI Imperium Platinum VISA Credit Card
Welcome Bonus: 500 Delight Points
Bonus Conditions: Get 500 Delight Points on a single transaction of ₹1,500 within 30 days of card issuance or 300 Delight Points on a single transaction of ₹1,500 between 31 and 90 days. Welcome bonus is applicable only for new IDBI Imperium Platinum VISA Credit Card customers and is credited as per IDBI Delight programme rules.
Application Process for IDBI Imperium Platinum VISA Credit Card
Processing Time
Typically dispatched within 7 working days after fixed deposit lien marking, KYC completion, and approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Open an eligible fixed deposit of at least ₹20,000 with IDBI Bank or earmark an existing FD for lien marking against the Imperium Platinum VISA Credit Card.
Submit the completed credit card application form online through IDBI’s website or at the nearest IDBI Bank branch along with KYC documents and FD details.
IDBI Bank verifies your KYC, FD details and internal checks before approving the secured card limit (up to 85% of FD amount).
Once approved, the card is generated, your FD is marked lien and the physical IDBI Imperium Platinum VISA Credit Card is dispatched to your registered address, usually within 5–7 working days.
Activate the card using the bank’s instructions (PIN generation via ATM, IVR or net banking) and register for the IDBI Delight rewards portal to start tracking and redeeming your Delight Points.
Required Documents for IDBI Imperium Platinum VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Fixed Deposit Proof
allAccepted documents:
IDBI Imperium Platinum VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at over 9 lakh merchant outlets and e-commerce sites across India that support Visa credit cards.
International Acceptance
Accepted at over 29 million merchant establishments and ATMs worldwide on the Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IDBI Imperium Platinum VISA Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- This is a secured credit card issued against an IDBI Bank fixed deposit. Minimum FD of ₹20,000 (or equivalent FCNR) must be placed and marked lien to the bank. Credit limit is typically up to 85% of the linked FD amount, with cash withdrawal limit up to 70% of the assigned credit limit. Cardholder must complete full KYC with valid PAN and Aadhaar, be an Indian resident, and satisfy IDBI Bank’s internal credit and risk checks even though the card is FD-backed.
How Approval Is Decided
- You must be an Indian resident aged 18 years or above at the time of application.
- You must hold or open an eligible IDBI Bank fixed deposit of at least ₹20,000 (or equivalent FCNR) that can be marked lien for the card.
- You must complete full KYC with valid PAN, Aadhaar and acceptable address proof as per RBI and IDBI Bank norms.
- Credit limit is sanctioned as a percentage of your fixed deposit (typically up to 85%), subject to IDBI Bank’s internal policies and risk checks.
Pros of IDBI Imperium Platinum VISA Credit Card
- Easy approval because the card is backed by an IDBI Bank fixed deposit, ideal for new-to-credit users.
- Straightforward rewards with 2 Delight Points per ₹150 on most retail spends and flexible redemption options.
- Fuel surcharge waiver of 1% up to ₹300 per month on eligible fuel transactions.
- High credit and cash limits relative to the fixed deposit, giving good liquidity without breaking the FD.
- Annual fee can be waived by hitting a reasonable annual spend milestone of ₹75,000.
Cons of IDBI Imperium Platinum VISA Credit Card
- Reward rate of roughly 0.33% is modest compared to premium rewards and cashback cards.
- Fixed deposit lien reduces your immediate liquidity until the card is closed or FD is released.
- No guaranteed complimentary airport lounge access; only generic Visa lounge offers may apply.
- Forex markup is around 3.5% + GST, making it less attractive for heavy international spending.
- Better lifestyle and travel perks are available on IDBI Euphoria World and Royale Signature for higher-fee customers.
Frequently Asked Questions about IDBI Imperium Platinum VISA Credit Card
Is IDBI Imperium Platinum VISA Credit Card a secured card?
Yes. IDBI Imperium Platinum VISA Credit Card is a secured credit card issued against an IDBI Bank fixed deposit. You must open and lien-mark a fixed deposit (minimum ₹20,000) with IDBI Bank to get this card, and your credit limit is usually up to 85% of your FD value.
What welcome bonus do I get on the IDBI Imperium Platinum VISA Credit Card?
You can earn a welcome bonus of 500 Delight Points when you make a single transaction of at least ₹1,500 within 30 days of receiving the card. If you miss this window, you can still earn 300 Delight Points on a single transaction of at least ₹1,500 made between 31 and 90 days from card issuance.
How much reward can I earn on my everyday spends?
You earn 2 Delight Points for every ₹150 spent on eligible retail transactions such as shopping, dining, movies and travel. At an approximate value of ₹0.25 per Delight Point on redemption, this translates to around 0.33% reward rate on your day-to-day spends, which can be redeemed for travel bookings, vouchers, bill payments and more via the IDBI Delight portal.
What are the main fees and interest rates on this card?
The primary card currently carries a joining fee and annual fee of ₹499 + GST, with a renewal fee waiver on annual spends of ₹75,000 or more. Finance charges are typically 2.9% per month (around 34.8% p.a.) on unpaid balances, cash advance fee is around 2.5% of the withdrawn amount (minimum ₹500), and late payment charges are slab-based, going up to ₹950 for high statement balances. Always check the latest MITC on IDBI Bank’s website before applying.
Does the IDBI Imperium Platinum VISA Credit Card offer airport lounge access?
IDBI Imperium Platinum VISA Credit Card does not come with fixed complimentary airport lounge visits from IDBI Bank. However, you may still access participating Visa airport lounges in India and abroad on a pay-per-use basis or under limited-time Visa lounge offers, subject to separate terms, pricing and eligibility on the Visa platform.
Is there a fuel surcharge waiver on the IDBI Imperium Platinum VISA Credit Card?
Yes. You typically get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 at petrol pumps across India, capped at a maximum waiver of ₹300 per billing cycle. Note that GST and other taxes on the fuel surcharge component may not be waived and benefit terms can change as per IDBI Bank’s latest schedule of charges.
Who should consider getting the IDBI Imperium Platinum VISA Credit Card?
This card suits new-to-credit users, students with family FDs, self-employed professionals and conservative savers who maintain fixed deposits with IDBI Bank and want to build or improve their credit score using a secured card. It is also good if you need a backup credit line, want a simple rewards structure and prefer a fee waiver target that is achievable with moderate annual spends.
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