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IDBI Credit Cards – Features, Benefits & How to Apply

The IDBI credit card has a basket of benefits and features that are designed to make you a happy customer. Firstly, the card is secured with the EMV chip and PIN enabled feature provides you peace of mind against fraud. You will be a part of an attractive loyalty rewards programme, use your card all over the world, get add on cards, earn cashback and much more. Customers can choose a variety of credit cards.

Updated On - 06 Sep 2025
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Top IDBI Credit Cards in India 2025

Credit card Variant

Joining fee

IDBI Bank Royale Signature Card

Nil

IDBI Bank Euphoria World Credit Card

Nil

IDBI Bank Aspire Platinum Credit Card

Nil

IDBI Winnings RuPay Select Credit Card

Nil

LIC CSL IDBI Eclat Select Credit Card

Nil

LIC CSL IDBI Lumine Platinum Credit Card

Nil

IDBI Bank Imperium Platinum Credit Card

Rs.499

Features & Benefits of IDBI Credit Cards

IDBI Bank Royale Signature Card

  1. Earn welcome gift of 750 delight points on first usage of the IDBI Royale Signature Credit Card
  2. Earn 3 delight points for every Rs.100 spent
  3. Enjoy interest free credit of up to 48 days
  4. 1% fuel surcharge waiver

IDBI Bank Euphoria World Credit Card

  1. Earn 6 delight points for every 100 spent IDBI Euphoria World Credit Card
  2. Earn 4,000 delight points on the first transaction of minimum 1500 within 60 days of receiving the card.
  3. Enjoy interest free credit of up to 48 days
  4. Waiver of 1% fuel surcharge every time you fill fuel across all fuel stations for transactions in the range of Rs.400 to Rs.5000.

IDBI Bank Aspire Platinum Credit Card

  1. Earn 2 delight points for every 150 spent
  2. Earn welcome gift of 500 Delight Points on first usage of the IDBI Aspire Platinum Credit Card within 30 days
  3. Enjoy interest free credit of up to 48 days
  4. Use the card at over 9 lakh merchants in India and over 29 million merchants abroad.

IDBI Bank Imperium Platinum Credit Card

  1. Enjoy credit limit as high as 85% of the fixed deposit using IDBI Imperium Platinum Credit Card.
  2. Enjoy higher cash withdrawal limit up to 70% of the credit limit
  3. Enjoy interest free credit of up to 48 days
  4. Earn 2 Delight Points for every Rs. 150 spent

IDBI Winnings RuPay Select Credit Card

  1. Earn 2 Delight Points for every Rs. 100 spent using IDBI Winnings RuPay Select Credit Card.
  2. Welcome benefit of flat 10% Cashback on all transactions with minimum value of Rs. 500/- done within 90 days of card receipt.
  3. Earn 500 more Delight Points with just 5 transactions of value Rs. 1000 each per month.
  4. Get double Delight points on your Birthday month.

LIC CSL IDBI Eclat Select Credit Card

  1. Earn 4 Delight Points for every Rs. 100 spent using LIC CSL IDBI Eclat Select Credit Card.
  2. Earn welcome gift of 1500 Delight Points on spends of a total of Rs. 10,000 within 60 days from the card issuance date.
  3. Enjoy Interest free credit of up to 48 days
  4. Waiver of 1% fuel surcharge every time you fill fuel across all fuel stations for transactions in the range of Rs.400 to Rs.5000.

LIC CSL IDBI Lumine Platinum Credit Card

  1. With LIC CSL IDBI Lumine Platinum Credit Card earn 3 Delight Points for every Rs. 100 spent
  2. Earn welcome gift of 1000 Delight Points on spends of a total of Rs. 10000/- within 60 days from the card issuance date.
  3. Personal Accidental Death Insurance cover of Rs.2 lakhs and Credit Shield Cover provided
  4. Enjoy Interest free credit of up to 48 days

IDBI Bank Credit Card Eligibility

To avail of a credit card from IDBI Bank, you must meet the eligibility criteria.

  1. Residents of India can apply.
  2. The applicant should be at least 21 years old.
  3. Applicants should not be more than 60 years old. This is extended to 65 years in case of the self-employed.
  4. Add on cards can be taken for family members above the age of 18.
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Documents Required for IDBI Bank Credit Card

Customers need to submit documentation to substantiate their applications.

ID Proof

  1. Passport
  2. Driver's licence
  3. PAN card
  4. Aadhar card
  5. Voter's ID

Residential proof

  1. Passport
  2. Aadhar Card
  3. Electricity Bill
  4. Telephone bill
  5. Election card

Income Proof

  1. Last 3 months' salary slip
  2. Last 3 months' bank statement
  3. Latest IT Returns
  4. Form 16

How to Apply for IDBI Bank Credit Cards

You can apply for a credit card from IDBI Bank in different ways. They are:

Applying online

  1. Another way to apply for a credit card from IDBI Bank is through the official website. You need to enter your personal and contact details, documents and submit the application.

By visiting the bank branch

  1. You can submit an application to avail a credit card from IDBI by visiting a branch of the bank. You need to fill up the application form, submit the required documents and follow the mentioned process.
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How to Check IDBI Bank Credit Cards Status

There are two ways through which you can check IDBI credit card application status. It can be either online or offline. To check online, you can do it through net banking while if you want to check it offline, you need to visit the IDBI branch. You can also get to know the application status through phone, email, and post.

Bill Payments of IDBI Bank Credit Cards

IDBI credit cards bill payments can made either online or offline. Online and offline payment of credit card bills can be made using different channels like auto-debit, NEFT, net banking, cheque/draft, visa money transfer, iPay, cash etc.

IDBI Bank Credit Card Customer Care

IDBI Bank credit card users can contact the credit card customer care cell for any unresolved query via call or email. Here are the details:

IDBI Bank Credit Card Customer Care Toll-Free Number: 1800 425 7600 / 022 - 40426013

IDBI Bank Credit Card Customer Care Email ID: idbicards@idbi.co.in

IDBI Bank Postal Address:

IDBI Bank Ltd.

IDBI Tower

WTC Complex

Cuffe Parade

Colaba

Mumbai 400005

Credit Card offered by other Banks
  1. SBI Credit Card
  2. HDFC Credit Card
  3. PNB Credit Card
  4. Axis Bank Credit Card
  5. Canara Bank Credit Card
  6. Bank of Baroda Credit Card
  7. Bank of India Credit Card
  8. IndusInd Credit Card
  9. RBL Bank Credit Card
  10. Kotak Credit Card
  11. Union Bank Credit Card
  12. Standard Chartered Credit Card
  13. YES Bank Credit Card
  14. HSBC Credit Card
  15. Indian Bank Credit Card
  16. LIC Credit Card
  17. Karur Vysya Bank Credit Card

FAQs on IDBI Credit Card

  • Can we convert IDBI credit card reward points to cash?

    Your IDBI delight points can be converted to cashback and not cash.

  • How to apply for an IDBI credit card?

    You can apply for a credit card from IDBI Bank on their official website or at any IDBI Bank Branch. Fill up the application form and submit it with the required documents.

  • How can I know my IDBI credit card bill?

    Your credit card bill or monthly statement will be sent to your registered email id every month. On the other hand, if you have chosen to receive a physical copy of your statement by post, it will be sent to your address. You can also log in to your net banking account and download a copy of your bill. Other methods include calling the bank's IDBI credit card customer care number or obtaining the information via SMS.

  • Can I transfer money from my IDBI credit card to my bank account?

    The only way to transfer money from your credit card to your bank account is to use the credit card like you would a debit card at the ATM. Once you withdraw money, you can deposit the amount in your bank account.

  • How can I increase the credit limit on my IDBI credit card?

    A sure shot way to get the credit limit on your card increased is to use your credit card as often as possible. When you use your card well and make payments on time, the bank will regard you as a responsible cardholder and will increase your credit limit.

  • Is there an app for IDBI credit card?

    While there is no mobile application exclusively for your credit card, you can download IDBI's mobile banking application GO Mobile+. You can access your credit card information on the app, check your transactions, any outstanding balance, and pay your credit card bill on the app itself.

  • How many days does it take to get an IDBI credit card?

    Ideally, it should take around 7 working days for you to receive your card. Once it has been dispatched, you will receive an SMS with details regarding the courier company and the air waybill number (AWB). You can use this number to track the status of your credit card.

  • Can I use my IDBI credit card when I go abroad?

    Yes, you can use your credit card internationally. The card will be enabled for international usage as per your instructions on the application form. If it is not enabled, simply call the IDBI customer care and request for activation. Please note that fees and charges are applicable on international usage.

  • How many add on cards can I take for my family?

    With your IDBI Aspire Platinum credit card, you can get 1 add on card. The Royale Signature card entitles you to two add on cards. The family member must be above the age of 18 and hold a PAN card. Features of the add on card may vary from the primary card such as lounge access which is available only to the primary cardholder.

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
Articles on Credit Card
  1. How to Check Credit Card Status
  2. How to Manage Multiple Credit Cards
  3. Best Credit Card for Poor Credit
  4. How to get Credit Card without Job
  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
  8. Advantages & Disadvantages of Credit Card
  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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