
IDBI Aspire Platinum
Rewards & Benefits
Welcome Benefits
Users will get 500 Delight points on first usage of the card within 30 days or 300 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is 1,500.
Milestone Benefits
Cashback Rate
The value of 1 Delight point is 0.25 Paisa.
Users will earn 2 Delight points for every 150 spent. Effective cashback rate: 0.33%.
Movie Benefits
Dining Benefits
Other Benefits
Interest-free period of up to 50 days.
1% fuel surcharge waiver.
Zero liability protection. Interest-free credit of up to 48 days.; Fuel surcharge waiver.; Zero Lost Card Liability.; Lifetime free card.
Lounge Access
Fees & Charges
Joining Fee
NIL
Annual Fee
NIL
Cash Advance Fee
Cash Advance Fee: 2.5% of transaction fee or 500/-, whichever is higher
Interest rate
2.9% (p.m.) i.e. 34.80% p.a.
Late Payment Fee
Late Payment Fess (Per occasion , Based on amount due)=Rs. 500 – Nil> > Rs. 500 to = Rs. 5000 – Rs. 400 > Rs. 5000 to =Rs. 10000 - Rs. 500 > Rs. 10000 to =Rs. 20000 - Rs. 750 > Rs. 20000 – Rs. 950
Foreign Currency Transactions Fee
Foreign Currency Transactions mark- up 3.5%
Other Fees
Rewards Points Redemption Fee: Nil
Cons
No domestic/international airport lounge access facility.
No cashback offers available.
Welcome Benefit: Users will get 500 Delight points on first usage of the card within 30 days or 300 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is 1,500.Welcome gift of 300 reward points available for new users.
Reward System: The value of 1 Delight point is 0.25 Paisa. Users will earn 2 Delight points for every 150 spent. Effective cashback rate: 0.33%.
Interest-free credit of up to 48 days.
Fuel surcharge waiver.
Zero Lost Card Liability.
Lifetime free card.
No Reward Redemption fees.
Rewards & Benifits
Welcome Benefits
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Rewards System
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
International Forex Markup
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Welcome Benefits and Reward System
Special Features
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Eligibility Criteria
Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
Add-on card holder should be 18 years and above
Should be a resident of India
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Check the eligibility criteria.
The eligibility criteria for the IDBI Aspire Platinum Credit Card are: Age: 21-60 years (salaried) or 65 years (self-employed) Minimum income: INR 25,000 per month (salaried) or INR 40,000 per month (self-employed) Good credit history
Gather the required documents.
The required documents are: A recent passport-size photograph Proof of identity (any of the following): Voter ID, passport, driving license, PAN card, Aadhaar card Proof of residence (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of income (any of the following): Latest 3 months' salary slip, latest 3 months bank statement, income tax returns (ITR)/Form 16
Apply online or offline.
You can apply for the card online through the IDBI Bank website or offline by visiting any IDBI Bank branch.
Submit your application.
Once you have gathered the required documents, you can submit your application online or offline.
Wait for the approval.
The bank will review your application and let you know the status within a few days.
If your application is approved, you will receive the card within 7-10 working days.
Contact Details
Call on our Phone Banking numbers - Toll Free - 1800 425 7600 Non Toll Free - 022 4042 6013(24x7 service)
Account Opening and Procedure



Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 500 Delight points on first usage of the card within 30 days or 300 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is 1,500.Welcome gift of 300 reward points available for new users.
Reward System: The value of 1 Delight point is 0.25 Paisa. Users will earn 2 Delight points for every 150 spent. Effective cashback rate: 0.33%.
Interest-free credit of up to 48 days.
Fuel surcharge waiver.
Zero Lost Card Liability.
Lifetime free card.
No Reward Redemption fees.
No domestic/international airport lounge access facility.
No cashback offers available.
The IDBI Aspire Platinum Credit Card is a tempting option for high-flying spenders and frequent travelers who value the absolute convenience of unlimited airport lounge access, comprehensive travel insurance, and top-tier rewards across most categories. The generous welcome bonus, fuel surcharge waiver, movie ticket offers, and complimentary add-on card further add value. However, the hefty annual fee, limited network, limited point redemption options, and potentially lower point value might not be ideal for moderate spenders, those seeking wider network coverage, diverse redemption options, or the highest possible point value redemption.
The IDBI Aspire Platinum Credit Card is a tempting option for high-flying spenders and frequent travelers who value the absolute convenience of unlimited airport lounge access, comprehensive travel insurance, and top-tier rewards across most categories. The generous welcome bonus, fuel surcharge waiver, movie ticket offers, and complimentary add-on card further add value. However, the hefty annual fee, limited network, limited point redemption options, and potentially lower point value might not be ideal for moderate spenders, those seeking wider network coverage, diverse redemption options, or the highest possible point value redemption.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Fuel Surcharge
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Billing Cycle
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.