IDBI Bank Imperium Platinum Credit Card
Best for secured card against FD (min Rs 20,000; limit up to 85% of FD). 2 Delight Points per Rs 150
Terms as of 2026-09-27 · Checked 28 September 2026IDBI Bank Imperium Platinum Credit Card at a glance
Who it suits: Secured card against FD (min Rs 20,000; limit up to 85% of FD)
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 Delight Points per Rs 150 |
| Welcome benefit | 500 DP welcome (first txn Rs 1,500+ within 30 days) |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% on Rs 400-4,000, max Rs 300/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + GST |
| Annual / renewal fee | ₹499 + GST |
| Fee waiver | Annual fee waived on spend above Rs 75,000/yr |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 (65 for self-employed); add-on 18+; Imperium 18+ against FD |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| HDFC Bank Millennia | HDFC Bank | ₹1,000 / ₹1,000 | 1.00% base value | Online shoppers who use the partner brands |
| IRCTC SBI Card (Platinum) | SBI Card | ₹500 / ₹500 | 0.80% base value | Frequent IRCTC train bookers |
| IndianOil HDFC Bank | HDFC Bank | ₹500 / ₹500 | 0.64% base value | Regular IndianOil fuel buyers with modest spends |
Frequently asked questions
What is the annual fee of the IDBI Bank Imperium Platinum Credit Card?
Joining fee ₹499 and annual fee ₹499 (plus 18% GST). Annual fee waived on spend above Rs 75,000/yr.
What rewards does it offer?
2 Delight Points per Rs 150
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the IDBI Bank Imperium Platinum Credit Card good for me?
Best for: Secured card against FD (min Rs 20,000; limit up to 85% of FD). Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.idbi.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IDBI Bank’s website before applying. FinancePortal is not affiliated with the issuer.