Unlock credit freedom with your fixed deposit
On spends of ₹75,000 annually
2 Delight Points per ₹150 spent
Enter your details to get started
| Benefit | Details |
|---|---|
| Secured Credit Card | Credit card issued against your fixed deposit(s) with IDBI Bank, offering higher limits without income criteria or CIBIL requirements. |
| Flexible Credit Limit | Enjoy a credit limit of up to 85% of your fixed deposit amount, with a maximum limit of ₹10 lakh. Link up to 5 FDs for enhanced credit access. |
| Reward on Every Spend | Earn 2 Delight Points for every ₹150 spent on shopping, dining, travel, and all other purchases (1 Point = ₹0.25). |
| Interest-Free Credit Period | Avail up to 48 days of interest-free credit on all purchases from the date of transaction. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | IDBI Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Secured Card / Rewards |
| Type of Card | VISA Platinum Credit Card (FD-backed) |
| Free or Paid | ₹499 + GST Annually (waived on spends of ₹75,000) |
The IDBI Imperium Platinum Credit Card is the ideal choice for individuals seeking credit card access without stringent income documentation or CIBIL score requirements. As a secured credit card backed by your fixed deposit, it's particularly valuable for credit newcomers, young professionals establishing their credit history, or anyone wanting guaranteed approval with higher credit limits. The card delivers consistent rewards across all spending categories whilst maintaining the security of your fixed deposit, making it perfect for building creditworthiness and earning rewards simultaneously.
Fixed Deposit Security: The Imperium card is issued against your fixed deposit(s) held with IDBI Bank, with a minimum FD requirement of ₹20,000. You can link up to 5 fixed deposits to increase your credit limit, with the card offering 85% of your total FD amount as credit (maximum ₹10 lakh).
Guaranteed Approval: Unlike regular credit cards, the Imperium doesn't require income proof or depend on CIBIL ratings, making it accessible to salaried employees, self-employed individuals, and even NRIs with FCNR deposits.
Comprehensive Rewards: Earn 2 Delight Points for every ₹150 spent across all retail purchases—groceries, dining, travel, shopping, and utilities. Points are valued at ₹0.25 each and can be redeemed for products, vouchers, and exclusive offers.
Welcome Bonus: Receive 500 Delight Points when you make your first transaction of ₹1,500 or more within 30 days of card activation, or 300 points if spent between 31-90 days.
High Cash Withdrawal Limit: Access up to 70% of your credit limit for cash withdrawals when needed, providing enhanced financial flexibility.
Interest-Free Period: Enjoy a maximum of 48 days interest-free credit on purchases, allowing you to manage your finances efficiently without immediate payment pressure.
Add-on Cards: Issue add-on cards for family members above 18 years at no additional cost, with all reward points accumulated centrally for higher redemption value.
Zero Lost Card Liability: Report your lost card immediately to IDBI Bank's 24-hour customer care, and any fraudulent transactions after reporting will be covered by the bank.
Wide Acceptance: Use your VISA Platinum card at over 900,000 merchants across India and 29 million merchants globally, ensuring seamless transactions wherever you go.
The Imperium Platinum Credit Card provides a perfect balance of security through FD backing, rewarding spending patterns, and building credit history—all whilst maintaining complete control over your credit exposure.
2 Delight Points on All Spends
Earn 2 Delight Points for every ₹150 spent on shopping, watching movies, travelling, and all other retail purchases.
Applicable on both domestic and international transactions.
Each Delight Point is valued at ₹0.25 for redemption.
No category restrictions or monthly caps on point accumulation.
Excluded Transactions
Delight Points are not earned on the following:
Cash advances
Fuel purchases
EMI transactions
Card fees and charges
Wallet loads
Railway ticket booking charges
Rewards Catalogue
Redeem Delight Points for products, vouchers, and exclusive offers through the IDBI Delight Programme.
Access rewards from globally renowned brands across categories like electronics, lifestyle, fashion, dining, and travel.
Points can be redeemed through Net Banking or by submitting a physical redemption form.
Point Value
Each Delight Point = ₹0.25
Example: 2,000 Delight Points = ₹500 redemption value
Welcome Bonus Points
Receive 500 Delight Points on making a minimum single transaction of ₹1,500 within 30 days of card receipt.
Alternatively, earn 300 Delight Points if the transaction is made between 31-90 days of card receipt.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Maximum monthly waiver benefit capped at ₹300 per month.
Applicable at all fuel stations across India.
Up to 48 Days
Enjoy interest-free credit of up to 48 days on all purchases.
Allows flexible payment management whilst avoiding interest charges if the full balance is paid by the due date.
Flexible Repayment
Choose to pay the total outstanding amount, minimum amount due (5% of billing amount or ₹200, whichever is higher), or any amount in between.
Revolving credit facility available at an interest rate of 2.9% per month.
Family Cards at No Extra Cost
Issue add-on cards for family members above 18 years of age.
No joining or annual fees for add-on cards.
Delight Points earned on add-on cards are combined with the primary card for higher redemption eligibility.
VISA Platinum Benefits
Access exclusive offers on airport shopping, hotels, car rentals, and more.
Enjoy travel concierge services provided by VISA for travel-related assistance.
Offers are subject to change as per VISA's discretion.
Complete Protection
Immediately report your lost or stolen card to IDBI Bank's 24-Hour Customer Care at 1800-209-4324 (toll-free) or 022-67719100.
Card will be blocked instantly to prevent unauthorised transactions.
Any fraudulent transactions occurring after reporting the loss will be covered by the bank.
Easy Instalments
Convert high-value purchases into EMIs with a minimum amount of ₹3,000.
Interest rate: 13% per annum
Tenure options: 3, 6, 9, or 12 months
No processing or foreclosure fees
Transfer Your Dues
Transfer outstanding balances from other credit cards to your Imperium card.
Minimum transfer amount: ₹3,000
Processing fee: 1.5% of transfer amount or ₹199, whichever is higher
Normal EMI interest rate applicable
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 + GST (~₹589) | One-time charge when the card is issued |
| Annual Fee | ₹499 + GST (~₹589) | Charged every year from the second year onwards |
| Add-on Card Fee | Nil | No joining or annual fee for add-on cards |
| Annual Fee Waiver | On spends of ₹75,000 | Annual fee waived if annual spends exceed ₹75,000 |
| Interest Rate (APR) | 2.9% per month (34.8% annually) | Applicable on revolving credit balance |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on cash withdrawals |
| Cash Advance Limit | Up to 70% of credit limit | Maximum cash withdrawal limit available |
| Interest on Cash Advance | 2.9% per month | Charged from the date of withdrawal |
| Late Payment Fee | Based on amount due: ≤ ₹500: Nil; ₹501 to ₹5,000: ₹400; ₹5,001 to ₹10,000: ₹500; ₹10,001 to ₹20,000: ₹750; > ₹20,000: ₹950 | Charged per occasion if minimum payment not made |
| Overlimit Charges | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds credit limit |
| Cheque/Auto Debit Return Charges | ₹500 | Charged when payment is returned/dishonoured |
| Cash Processing Fee | ₹200 | Applicable for cash payments at branches or ATMs |
| Card Replacement Fee | ₹200 | Charged for issuing replacement card |
| Foreign Currency Markup | 3.5% + GST | Applicable on all international transactions |
| Duplicate Statement Request | ₹100 | For statements more than 3 months old |
| EMI Processing Fee | Nil | No processing or foreclosure fees |
| Balance Transfer Processing Fee | 1.5% or ₹199 (whichever is higher) | Applicable on balance transfer requests |
| Card Account Closure Charge | ₹999 | Only if closed within one year of issuance |
| Criteria | Details |
|---|---|
Age | Primary and add-on cardholders should be 18 years and above |
Existing Customer | Available to both existing IDBI Bank customers and new applicants |
Fixed Deposit Requirement | Minimum eligible FD amount: ₹20,000 |
FD Tenure | Minimum tenure of 180 days required |
FD Type | Only FDs with 'Either/Anyone/Former or Survivor' mode of operation are eligible |
Citizenship | Available to Resident Indians and NRIs (including FCNR deposits) |
Credit Score | Not required (secured against fixed deposit) |
Income | No income criteria or documentation required |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill |
| Photograph | Recent passport-size photograph |
| Confirmation of Deposit | Duly discharged Certificate of Deposit(s) (COD) with revenue stamp signature on reverse |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your IDBI Imperium Platinum Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Set Up Credit Card PIN | Call 1800-209-4324 to set your 4-digit PIN before first use for ATM and POS transactions. |
Maximise Reward Points | Use the card for all retail purchases—groceries, dining, shopping, travel—to accumulate Delight Points on every ₹150 spent. |
Track Your FD Utilisation | Monitor your credit limit usage regularly. At 85% utilisation, you'll receive an alert. At 100%, further transactions are blocked. |
Understand Payment Deadlines | Make payments before the due date to avoid late fees. If outstanding reaches 100% and payment isn't made by next due date, your FD will be liquidated. |
Manage Minimum Payments | The minimum amount due is 5% of the billing amount or ₹200 (whichever is higher). Paying only the minimum incurs 2.9% monthly interest on the remaining balance. |
Enhance Your Credit Limit | You can link additional FDs (up to 5 total) to increase your credit limit up to a maximum of ₹10 lakh. |
Use Add-on Cards Wisely | Issue add-on cards for family members to consolidate spending and accumulate more Delight Points centrally. |
Redeem Points Strategically | Accumulate points across all spending for higher-value redemptions through the IDBI Delight Programme. |
Take Advantage of Fuel Benefits | Fill fuel between ₹400-₹4,000 per transaction to enjoy 1% surcharge waiver (maximum ₹300 monthly). |
Monitor FD Liquidation Rules | If payment isn't received: 30 DPD: Warning communication; 60 DPD: Card hot-listed (blocked); 81 DPD: FD(s) liquidated to recover dues |
Release FDs When Possible | Submit a written request at any branch to remove specific FDs from the card (credit limit will be adjusted accordingly). |
Convert Large Purchases to EMI | Use the EMI facility for purchases above ₹3,000 with flexible tenure options and no processing fees. |
The IDBI Imperium Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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