IDBI Bank Credit Cards Credit Card. How to apply for a credit card, IDBI Bank Credit Cards Net banking, Check Eligibility, status, bill payment

IDBI Bank offers five types of IDBI credit cards. Each IDBI Bank credit card is designed to fulfill every single need of the customers. IDBI credit cards are provided with a variety of rewards to make sure that the customers enjoy all transactions made using the credit cards. Refer to this article to know more about the types, features and the internet banking services rendered by IDBI Bank. https://www.fresherslive.com/credit-card/idbi-bank-credi-card

Last modified:2019-08-24


Best credit cards in India



Table of content

#1. IDBI Bank Credit Card Payment:

#2. IDBI Bank Credit Card Login:

#3. How to check Application Status of IDBI Bank Credit Card?

#4. IDBI Customer Care Services:



What are the types of credit cards offered by IDBI Bank?

IDBI bank offers credit cards based on five categories. It is designed in such a way that it satisfies all the needs and requirements of its users. IDBI Bank credit cards also offer a variety of rewards to make the customers enjoy every transaction made using it. The 5 types of credit cards offered by IDBI bank are as follows:

  1. Royale Signature
  2. Aspire Platinum
  3. Euphoria World
  4. Imperium Platinum
  5. Winnings

Let us have a look at the features of the credit cards in detail.

Royale Signature Credit Card:

IDBI Bank Royale Signature Credit Card is for the people who want the top class services and also want to enjoy the best of lavishness and comfort anywhere in the world. The main features and benefits are as follows:

  • Earning of Delight Points: You will earn 3 Delight points for every Rs 100 spent on this card. A welcome gift of 750 Delight points is given on the first use of the card within 30 days and 400 Delight Points within 31-90 days from the date of issue of the card. However, to be eligible for the welcome gift the minimum transaction amount has to be Rs 1500/-.
  • Drive On: 2.5% of the fuel surcharge waiver is allowed on all the petrol pumps ranging from Rs 400 - Rs 5000 with a maximum of Rs 500 in waivers per month.
  • Interest-Free Credit:  A interest-free credit period of 48 days is given to the cardholder to arrange for payment.
  • Coverage of Insurance while Air traveling: A strong coverage of Rs 25 lakhs is what the card offers to cover the risk of life as an insurance to the credit cardholder
  • Add on cards are available for the family members who are at least 18 years of age.
  • Customers will be entitled to receive special offers on hotels, car rentals, airport shopping provided for VISA signature cardholders.
  • Airport Lounge Access: Royale Signature Card facilitates the card bearer to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
  • Zero Lost Card Liability:  Wherever the card is lost, the customers have to report the same immediately at the IDBI toll-free number to block the card. Also,  any transaction which is considered as fraudulent after the card gets lost will be covered by the bank itself.

Aspire Platinum Credit Card:

This is the card for those customers who want to enjoy a host of benefits which relates to lifestyles, traveling, dining and needs additional rewards points to have more privileges. The major features and benefits are listed below:

  • Earning of Delight Points: You will earn 2 Delight points for every Rs 150 spent on this card. A welcome gift of 500 Delight points is given on the first use of the card within 30 days and 300 Delight Points within 31-90 days from the date of issue of the card. However, to be eligible for the welcome gift the minimum transaction amount has to be Rs 1500/-.
  • Drive On:  2.5% of the fuel surcharge waiver is allowed on all the petrol pumps ranging from Rs 400 - Rs 5000 with a maximum of Rs 500 in waivers per month.
  • Interest-Free Credit:  A interest-free credit period of 48 days is given to the cardholder to arrange for payment.
  • One can gift add on cards to his or her family members who are at least 18 years of age.
  • All Customers holding this card will be permitted for special offers on hotels, car rentals, airport shopping provided for VISA signature card bearers.
  • Zero Lost Card Liability:  Wherever the card is lost, the customers have to report the same immediately at the IDBI toll-free number to block the card. Also,  any transaction which is considered as fraudulent after the card gets lost will be covered by the bank itself.
  • Global Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally accept this IDBI credit card.

Euphoria World Credit Card:

With Euphoria World IDBI Credit Card, you can enjoy the luxuriousness, extravagance, and magnificence of the exotic hotels and restaurants. The key features are as follows:

  • Earning of Delight Points: Customers will earn 6 Delight points for every Rs 100 spent using this card. A welcome gift of 4000 Delight points is given on the first use of the card within 60 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value must be Rs 1500/-.
  • Drive On:  2.5% of the fuel surcharge waiver is allowed on all the petrol pumps ranging from Rs 400 - Rs 5000 with a maximum of Rs 500 in waivers per month.
  • Delight Points – Annual Points of 2000 can be earned on the payment of annual fee.
  • Interest-Free Credit:  A interest-free credit period of 48 days is granted to the cardholder to arrange for payment.
  • One can get add on cards for his or her family members who are aged 18 years and above.
  • All Customers owning this card will be provided special offers on hotels, car rentals and airport shopping facilities provided to Master Card signature cardholders.
  • Zero Lost Card Liability:  If the card is lost, you need to report the same without delay at the toll-free IDBI number to get the card blocked. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank itself.
  • Coverage of Insurance while Air traveling:  Air accident death coverage of Rs 25 lakhs is offered as a complimentary feature to the credit cardholder.
  • Airport Lounge Access: Euphoria World Credit Card facilitates the cardholder to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
  • Global and wider Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally are tied up with this credit card to serve the customers.

Imperium Platinum Credit Card:

Imperium Platinum IDBI Credit Card is a secured card option offered to customers against the fixed deposits which are owned by them on the VISA policy. The basic features of this card are:

  • Earning of Delight Points: The cardholders will earn 2 Delight points for every Rs 150 spent on this card. A welcome gift of 500 Delight points is granted on the first use of the card within 30 days and 300 delight points within 30-90 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value should be Rs 1500/-.
  • Credit Limit: One can enjoy 85% of the fixed deposit amount as a credit limit.
  • Cash withdrawal limit of 75% of the credit is allowed on the IDBI Imperium Platinum credit card.
  • Interest-Free Credit:  An interest-free credit period of 48 days is granted to the card user to arrange for payment.
  • One can provide add-on cards to his or her family members who are at least 18 years of age.
  • All Customers owning this card will be permitted for special offers on hotels, car rentals, airport shopping provided for Visa Card signature cardholders.
  • Zero Lost Card Liability:  If the card is lost, one needs to report the same without any delay at the IDBI toll-free number on the back of the card to block the card. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank itself.
  • Global Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally are tied up with this credit card to serve the customers.



Winnings Credit Card:

With IDBI Bank `Winnings' Credit Card, you can always enjoy an extra convenience, security, and flexibility wherever you go! Following are the features of the credit card:

  • Enjoy the welcome benefit of flat 10% cash back on all transactions with a minimum value of Rs. 1000 done within 90 days of card receipt.
  • Earn 500 more Delight Points with 5 transactions of value Rs.1000 each per month.
  • Earn 4 Delight points on your Birthday month.
  • Save 1% fuel surcharge waiver on each fuel transactions between Rs. 400 to Rs. 5000, maximum waiver of up to Rs. 400 per month.
  • Earn 2 Delight Points for every 100 spent.
  • Enjoy an interest-free credit period of 18 to 48 days on your purchases.
  • Get Personal Air Accident cover of Rs. 10 Lacs.
  • Get covered with Rs. 10 Lacs in case of permanent disability in an accident, valid for cardholders aged between 18 years to 70 years. One successful financial or non-financial transaction at any channel is done in the last 90 days prior to the incident required.
  • Complimentary Lounge Access
  • Your card is accepted at over 39.3 million merchants and over 1.88 million ATMs across India.
  • Zero liability on the lost or stolen card post reporting the incident to the bank.
  • Spend Rs. 90,000 in a year and get an annual fee of Rs. 899 reversed.

How to Apply for an IDBI Bank Credit Card?

IDBI Bank grants a choice between five globally accepted credit cards which are protected with superior security features like the EMV chip and PIN. You can choose the card that best matches your lifestyle and preferences, plus, you can also enjoy paying for purchases with EMIs. Also, other super privileges are offered on credit cards. IDBI Credit cardholders get to be a part of loyalty rewards program by IDBI under which you can earn excellent rewards and redeem them against gift vouchers and merchandise.

If you fulfill IDBI Bank credit card eligibility criteria, you will be able to apply for their credit cards online as well as offline. Follow the step by step procedure to apply:

Step 1: Visit the official website of IDBI Bank

Step 2: From the main tab, select “Products”

Step 3: A drop-down menu will appear. Choose “Cards” and then “Credit Cards”

Step 4: Now, you will be directed to a page displaying the types of credit cards offered by IDBI Bank

Step 5: Choose the card which matches your needs and click on “Apply Now”

You will be redirected to a page where you will have to enter your details. A customer care executive will get in touch with you to know your requirement and guide you through the rest of the process.

If you are not comfortable with the online mode, you can either contact the IDBI Bank customer care team or directly walk into any of the bank’s branch and ask the credit card representative to guide you to apply for a credit card. Ensure that you carry all the documents required.

#1. IDBI Bank Credit Card Payment:

An IDBI credit card holder can opt for any of the modes of payment being accepted towards their IDBI credit card. The various modes of payment are listed below:

  1. Auto-Debit from IDBI account: The payment for IDBI credit card can be made as a direct auto debit from the cardholder’s account being held with IDBI bank. This allows the cardholder to not only save time & effort but the chances to miss one payment. The cardholders need to provide a one-time mandate which authorizes IDBI bank to deduct either minimum payment or full amount payment every month automatically before the due date.

  2. IDBI Net banking Facility: The cardholders can also make the payment towards IDBI credit card directly using their IDBI net banking facility. To make the payment each time the cardholder has to log in to net banking and pay either the minimum amount due or full due amount from their IDBI saving or current account.

  3. NEFT Facility: In case the cardholder doesn’t hold any operative account with IDBI bank, he/she may initiate the payment using the NEFT Facility (National Electronic Funds Transfer). Payment through NEFT is not only convenient but is also processed a lot quicker than other modes such as cheque or draft issuance. The Cardholder has to use his 16 digit IDBI card number, the respective IFSC code and beneficiary bank as "IDBI Bank Ltd." to set up the NEFT payment system.

  4. Cheque/ Draft Payment: The Cardholder can drop the Cheque/Draft towards the payment of their IDBI credit card into any of the nearest IDBI Bank credit card drop boxes, which are placed inside the IDBI Bank branches and at IDBI ATMs. The Cheque/Draft should be in favor of IDBI Bank Credit Card Number account.

  5. Cash Payment at Bank Branch: Payment as cash deposit for credit card outstanding will also be a quicker option for the payment towards IDBI Credit card. The cardholder can visit any of the nearest IDBI Bank branches and pay credit card outstanding dues against their credit card number. The cardholder will be offered a receipt of cash deposit towards payment of their credit card dues.

  6. Visa Money Transfer Option: The card users can also pay their IDBI Bank Visa Credit Card outstanding dues using the Visa Money Transfer option through other bank’s savings/current account.

  7. IPay Facility: IPAY is a next-gen mobile banking service which allows the cardholder to pay their credit card outstanding by just a tap of their finger. The cardholder can conveniently pay off their IDBI credit card dues using non-IDBI bank accounts through this facility.

#2. IDBI Bank Credit Card Login:

Most of the banks have their own internet banking facilities to comfort their customers with their banking needs. Likewise, even IDBI bank provides internet banking platform which allows its customers to have their account information in their fingertips. Some of the main features and benefits of IDBI Bank’s internet banking facilities are listed below:

  • You can check your savings account balance and view your past transactions. By doing so, you can keep a check on your spendings.
  • You can check the account status and make queries regarding it.
  • You can have access to your e-statements and can keep a track of their cash flow - in and out of your account
  • You can check loan installment details
  • You can request for a cheque book using your netbanking account
  • The status of an issued cheque can also be tracked
  • You can view the details of their Demat account such as banks associated with the account, the address of the correspondent, account numbers and so on.
  • Demat account statements and outstanding balance can also be viewed
  • The billing statements of your demat account and previous transactions can be accessed

By using your IDBI login account, you can also stop cheque payments, pay utility bills, open a fixed deposit or a recurring deposit account, recharge your prepaid mobile number, top-up your DTH connection etc. You can also schedule monthly payment of your bills.

Online payment services through IDBI Bank’s Internet Banking:

  • If you have an online banking account, you can shop at associate merchants listed under the bank.
  • You can shop at e-stores also.
  • You can make funds transfer through IMPS, RTGS, and NEFT services.

How you can apply for IDBI Bank’s Internet Banking facility.

If you wish to open an online banking account, you just have to download the registration form from IDBI Bank’s homepage. Once you have downloaded the form, you will have to fill it with accurate details and submit it in the nearest IDBI Bank branch. Usually, the approval takes a couple of days and post that, you can enjoy the pleasures that internet banking comes with.

What is the Eligibility and Documentation process to avail an IDBI Bank credit card?

The eligibility criteria and documentation requirements vary for each credit card. To avail a credit card from IDBI Bank, you need to prove your eligibility by submitting certain documents as proof that you will be able to pay the credit card bill on time. Following are the requirements which have to be met by you to avail an IDBI Bank credit card:

Eligibility:

  1. Minimum age: 21 years
  2. Maximum age: 60 years (65 years for self-employed)
  3. The minimum age for an add-on cardholder: 18 years
  4. Residential Status: Resident of India
  5. Occupation: Salaried or Self-employed

Customers should keep in mind that these are only indicative and the bank has the right to approve or reject an application as per its internal policies.

Documents Required:

The applicant should also be able to submit documents that work as valid proof of identity, address as well as income. The following documents are accepted by the bank.

  1. ID proof: Voter ID, Passport, Driving License, PAN card, and Aadhaar card
  2. Address proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
  3. Income proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ ITR/ Form 16

Factors affecting IDBI Bank credit card eligibility:

Apart from the basic factors mentioned above such as age and residential status, there are some other factors that directly impact your eligibility for IDBI Bank credit cards.

Income: Almost all credit cards have similar eligibility criteria but the minimum income required by an applicant may differ from bank to bank. The minimum income requirement is necessary and if you fail to meet this, your credit card application may get rejected.

Residence: The area you reside in or the place your office is located in is also a part of the eligibility criterion. Therefore, it plays an important role in the approval of credit card application. Most of the banks have a list of preferred and blacklisted and are not eligible to receive any services.

Credit Report: Having a good credit history and a stable CIBIL score is extremely important to avail an IDBI credit card. A good CIBIL score reflects your financial stability and ensures that you will pay your credit card bills on time and on a regular basis.

#3. How to check Application Status of IDBI Bank Credit Card?

Currently, IDBI Bank doesn’t offer online facilities to check your application status. So you can simply dial the customer care number - 18004257600 to know the status of your credit card application. You always have the option to just visit the nearest IDBI Bank branch and ask the bank executive to check your credit card application status. Ensure that you carry the required details such as application number, application reference number etc., which will be asked by the executive to provide the status of your application.

Fees and Charges of IDBI Bank credit card:

Each card has it’s own fees and charges allotted by the bank. The fees and charges will be based on the features and benefits offered by the card to its users. Since IDBI Bank offers 5 different types of cards, each card has its own fee structure. Let us have a look at it in detail.

Category Royale Signature Euphoria World Aspire Platinum Imperium Platinum     
Winnings
Joining Fee Nil Rs. 1499/- Nil Rs. 499/- Rs. 899/-
Annual Fee Rs. 1499/- Rs. 1499/- (would be waived on minimum spending of Rs. 150000/- in a year) Rs. 499/- Rs. 499/- (would be waived on minimum spending of Rs. 75000/- in a year) Rs. 899/-
Renewal Fee Nil Rs. 899/- (would be waived on minimum spending of Rs. 90000/- in a year)
Interest on revolving credit facility (p.m) 2.5% 2.9% 2.9% 2.9% 3.4%
Cash advance transaction fee 2.5% of transaction fee with a minimum of Rs. 300 whichever is higher.
Interest on advance (p.m) 2.5% 2.9% 2.9% 2.9% 3.4%
Late payment charges Less than Rs. 100 - Nil
Rs. 100 to 500 - Rs. 100
Rs. 501 to 5000 - Rs. 400
Rs. 5001 to 20,000 - Rs. 500
More than Rs. 20,001 - Rs. 750
Over limit charges 2.5% of over limit subject to a minimum of Rs. 500/-
Return of cheque Rs. 225/-
Auto Debit Return Fee Rs. 225/-
Outstation cheque processing fee Up to Rs. 5000/- fee will be Rs. 25/-

Above Rs. 5000/- fee will be Rs. 50/-
Cash processing fee Rs. 100/-
Duplicate statement request Rs. 100/-
Replacement card Rs. 200/-
Charge slip/Chargeback  request Rs. 125/-
Limit enhancement Rs. 100/-
Foreign Currency Transactions Cross currency mark up 3.5%
Reward Redemption Fees Rs. 99/-
 

#4. IDBI Customer Care Services:

IDBI Bank customers can call the IDBI Credit card customer care at any time to report their complaints or grievances. Here are the following toll-free numbers:

Helpline toll-free number for contacting through mobile and landline phones: 1800-200-1947

Helpline toll-free number for contacting through mobile and landline phones: 1800-22-1070

IDBI Credit Card Call Centre Numbers: 022 6693 7000 (chargeable for residents in India)

IDBI Credit Card Call Centre Numbers: 0091 22 6693 7000 (chargeable for people living outside India)

In order to hotlist your lost or stolen card, customers can contact on the given number: 1800-22-6999
 

In order to resolve queries related to credit cards, customers can contact on the toll-free numbers given below:

Toll-Free Number: 1800 425 7600

Non-Toll-free number: 022 - 4042 6013

If customers don’t wish to call the customer care executive, then as an alternative, they can also send an e-mail to idbicards@idbi.co.in for resolving their issue or complaints regarding IDBI credit cards.

For any queries related to credit cards, customers can reach the IDBI customer care by mailing them on their postal address for reporting their grievances or issues:

IDBI Bank Ltd. IDBI Tower,
WTC Complex,
Cuffe Parade, Colaba,
Mumbai – 400005 

Customers should make sure to provide the following details while registering grievances or complaints. This would enable customer care executives to resolve the issue in a holistic and timely manner.

  • Your full number along with the registered mobile number
  • Your full contact details (address, email ID, phone number, etc.)
  • Your credit card number
  • The reference number of Transaction or Complaint ID depending upon your purpose of contact.

Grievance Redressal

If your complaints or issues are unresolved or unanswered or you are unsatisfied with the resolution, then you can also escalate your issue to a higher authority who is the nodal officer or customer care head.

Grievance Redressal Officer (GRO)

Shri. Rony Jose
DGM & GRO
Tel no: 022- 66194362
FAX no: 022-6655 2676

IDBI Bank Ltd.
Digital Banking & Emerging Payments Dept. 13th Floor,
D Wing, IDBI Tower, WTC Complex, Cuffe Parade,
Mumbai -400 005


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