IDBI Bank Aspire Platinum Credit Card
IDBI Bank
Annual / renewal fee
Rs. NIL (Annual Fee - Primary Card, from 2nd year onwards; Add-on Card also NIL).
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Earn rate
2 Delight Points for every ₹150 spent using the Aspire Platinum Card (travelling, shopping, dining-out or watching movies).
VerifiedAspire Platinum Credit Card product page2 Aug 2026, 6:30 AM ISTIDBI Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Aspire Platinum Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Aspire: NIL (Joining Fee - Primary / Add on Card).
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Annual / renewal fee
Rs. NIL (Annual Fee - Primary Card, from 2nd year onwards; Add-on Card also NIL).
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Fee waiver
Fuel Surcharge Waiver for Aspire: Yes, for transaction value minimum of ₹400 / maximum up to ₹4000, maximum waiver of ₹300 per month.
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Renewal fee
Aspire: NIL (Renewal Fees - Primary / Add on Card).
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Rewards
2 Delight Points for every ₹150 spent using the Aspire Platinum Card (travelling, shopping, dining-out or watching movies).
VerifiedAspire Platinum Credit Card product page2 Aug 2026, 6:30 AM IST
Redemption value
- Reward (Delight) Points can be redeemed against a wide range of gifts selected to suit lifestyle preferences, or redeemed as cash-back into the account.
- Reward Redemption Fee: Nil (all variants).
- Points expiry: points credited to customers expire in 3 years.
- Points credited under a campaign or promotional offer expire in 1 year.
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Reward cap
- Points credited to customers have an expiry period of 3 years.
- Points credited under a campaign or promotional offer have an expiry period of 1 year only.
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- 500 Delight/Rewards Points on using the Aspire Card for the first time for a minimum transaction value of ₹1500 within 30 days of card issuance.
- Or 300 Rewards Points on using the card for the first time between 31 to 90 days of card issuance.
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Insurance
- Zero Loss Card Liability: on reporting a lost/stolen card, the card is immediately blocked.
- Any fraudulent transaction after reporting the loss is covered by the Bank.
- (Card limit cover on fraudulent transactions on lost/stolen card when reported within 48 hrs of the transaction; provided by third party insurance company).
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Cross Currency Mark up of 3.5% on all international transactions (over and above the cross-currency conversion rate).
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Charge
- Schedule of Fees & Charges effective April 13, 2023 (all exclusive of GST): Finance/Service charge on revolving credit & cash advances - 2.90% p.m. (34.80% p.a.).
- Cash Advance Transaction Fee - 2.5% of transaction amount or ₹500 whichever is higher.
- Late Payment Charges (per statement, by statement balance) - <=₹500: Nil, >₹500 to <=₹5000: ₹400, >₹5000 to <=₹10000: ₹500, >₹10000 to <=₹20000: ₹750, >₹20000: ₹950.
- Over limit Fee - 2.5% of over limit amount subject to minimum ₹500.
- Cheque/Auto Debit Return Charges - ₹500.
- Cash Deposit Charges at IDBI Bank branches towards Credit Card payment - ₹200.
- Duplicate Statement Request - ₹100 per statement (more than 3 months old).
- Card Replacement Fee - ₹200.
- EMI Rate of Interest - 13% p.a. (tenures 3,6,9,12,18,24,30,36 months), EMI Conversion Fees Nil, EMI Foreclosure Fees Nil.
- Foreign Currency Conversion Charges - Cross Currency Mark up 3.5%.
- Reward Redemption Fee - Nil.
- Card Account Closure Charges (Aspire) - NIL.
- Charges on Purchase/Cancellation of IRCTC Tickets - as prescribed by IRCTC/Indian Railways.
VerifiedMITC – IDBI Bank Credit Card (General / Multi-card)2 Aug 2026, 6:30 AM ISTIDBI Bank
Interest-free period
- Interest free credit period of up to 48 days on purchases (range 18 to 48 days depending on date of purchase).
- Not applicable if previous month's balance not cleared in full or if cash was availed from ATM.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Aspire Platinum Credit Card?
Officially traced: NIL (Annual Fee - Primary Card, from 2nd year onwards.
MITC – IDBI Bank Credit Card (General / Multi-card)What is the joining fee on the Aspire Platinum Credit Card?
Officially traced: Aspire: NIL (Joining Fee - Primary / Add on Card).
MITC – IDBI Bank Credit Card (General / Multi-card)Is the Aspire Platinum Credit Card annual fee ever waived?
Fuel Surcharge Waiver for Aspire: Yes, for transaction value minimum of Rs. 400 / maximum up to Rs. 4000, maximum waiver of Rs. 300 per month.
harvested from product pageHow does the Aspire Platinum Credit Card earn rewards?
2 Delight Points for every Rs. 150 spent using the Aspire Platinum Card (travelling, shopping, dining-out or watching movies).
Aspire Platinum Credit Card product pageWhat welcome benefit does the Aspire Platinum Credit Card offer?
500 Delight/Rewards Points on using the Aspire Card for the first time for a minimum transaction value of Rs. 1500 within 30 days of card issuance.
harvested from product pageWhat are the transfer ratios for Aspire Platinum Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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