IDBI Bank Aspire Platinum Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Delight Points

First-year fee

₹0

Nil

Annual fee

₹0

Nil

What it gives back

2 Delight Points per ₹150 · everyday spends

Read from 5 IDBI Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Welcome offer

Rewards

Reward rate
2 Delight Points per ₹150 · everyday spends2 Delight Points for every 150 spent.

Card benefits

Concierge
Travel concierge services provided by VISA.
Milestone benefits
1,000 points on net annual spends of ₹1 lakhs; 1,500 points on net annual spends of ₹2 lakhs.

Also included

Fuel surcharge waiver
Waiver of 1% fuel surcharge every time you fill fuel using IDBI Bank Aspire Platinum Card across all fuel stations for transactions in the range of 400 to 4000.
Lost card liability
Any fraudulent transaction after reporting the loss will be covered by the Bank.
Add-on card eligibility
Add-on card holder should be 18 years and above.
Balance transfer terms
Balance Transfer facility is currently not provided by the Bank.
Purchase to EMI conversion
Minimum amount ₹3000, interest 13% per annum, tenure 3, 6, 9 or 12 month

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of transaction fee or 500/-, whichever is higher.
Interest on unpaid balance
2.9% (p.m.)
Interest-free period
Interest free credit of up to 48 days
Late payment fee
Nil to ₹950
Over-limit fee
2.5% of the over limit amount, subject to minimum of ₹500
Payment return or dishonour fee
₹500
Statement or duplicate statement fee
₹100 (More than 03 months old)
Card replacement fee
₹200
Cash payment / cash deposit fee
₹200 cash deposit charges at IDBI Bank Branches towards Credit Card payment.
EMI conversion feeReward redemption fee
Nil
Foreign ATM fee
At IDBI Bank or other ATMs in India and overseas: 2.5% of the transaction amount or ₹500 whichever is higher.
GST note
Applicable Indirect Taxes including Goods and Services Tax (GST) would be recovered on all our fees and charges and any other amount liable to tax under prevailing Indirect Tax
Grace days after the due date
Grace days of 3 days is allowed from the payment due date on credit card accounts where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by IDBI Bank at its sole discretion; MAD = 5% of (Retail Spends + Cash Advance) + 100% of Fees/Charges + 100% of Interest / Finance Charges + EMI amount + GST

Eligibility

Minimum age
21 years to 60 years (65 years for self-employed)
Documents required
ID Proof: Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card; Residence Proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card; Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16; Recent Photograph
Residency
Should be a resident of India.

In the terms, not the brochure (1)

Whether carrying a balance ends the interest-free period
If the Total Amount Due of the previous month is not paid by the payment due date the Free Credit Period will be lost and there will not be any interest-free period.

How we know - 5 documents from IDBI Bank, checked 19 Oct 2026

5 documents from IDBI Bank, checked 19 Oct 2026.

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