IDBI Bank Imperium Credit Card
IDBI Bank
Annual / renewal fee
- ₹499/- per year (Primary card, from 2nd year onwards).
- Waived on minimum spends of ₹75,000/- in preceding year.
- Add-on card annual fee: Nil.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Earn rate
2 Delight Points on every purchase transaction of ₹150/- (1 Point = ₹0.25).
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM 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
Imperium Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹499/- (Primary card).
- Add-on card joining fee: Nil.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Annual / renewal fee
- ₹499/- per year (Primary card, from 2nd year onwards).
- Waived on minimum spends of ₹75,000/- in preceding year.
- Add-on card annual fee: Nil.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Fee waiver
- Annual fee of ₹499/- (from 2nd year onwards) waived on minimum spends of ₹75,000/- in the preceding year.
- No waiver on Joining Fee or Annual Fee for Bank staff/Group Companies staff/HNI/NRI customers.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Renewal fee
- Renewal fee - add-on card: Nil.
- Renewal Fees - Primary / Add on Card: NIL.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Rewards
2 Delight Points on every purchase transaction of ₹150/- (1 Point = ₹0.25).
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM IST
Redemption value
- 1 Delight Point = ₹0.25.
- Points credited to customers expire in 3 years.
- Points credited under a campaign or promotional offer expire in 1 year.
- Reward Redemption Fee: Nil (Aspire/Royale/Euphoria/Winnings/Imperium).
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Travel & lounge
Lounge access
Airport lounge access: NA (not available on Imperium Credit Card).
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome Bonus Delight Points on minimum single transaction value of ₹1500/-: 500 Points if done within 30 days of card receipt.
- 300 Points if done between 30-90 days of card receipt.
- Annual bonus delight points: NIL.
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Insurance
- Zero Lost Card Liability: Yes.
- After receipt of proper notification of loss by the Bank, cardholder's subsequent liability is zero.
- Complimentary lost/stolen card/accidental insurance cover depending on card variant, provided by a third-party insurance company (coverage from date of Credit Card set up).
- Air Accidental Insurance Cover: Not applicable for Imperium.
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Eligibility
Eligibility
- Secured credit card issued against Fixed Deposit(s) held with IDBI Bank.
- Minimum eligible FD is ₹20,000.
- Credit limit is 85% of FD, subject to maximum of ₹10 Lac.
- Maximum 5 fixed deposits accepted.
- FDs with mode 'Either/Anyone/Former or Survivor' eligible.
- Jointly operated FDs, and FDs of HUF/Minor/NGO/Trust/Societies/Club/Partnership/Pvt & Public Ltd companies, third-party FDs, sweep-out FDs, and INR+FCNR combination FDs not eligible.
- NRIs eligible against FDs including FCNR.
- Documents: valid PAN card, photograph and Certificate of Deposit(s).
VerifiedFAQ – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Charges & interest
Forex markup
Foreign Currency Conversion Charges: Cross Currency Mark up of 3.5% over and above the cross-currency conversion rate for all international transactions.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Charge
- Per KFS/MITC (effective April 13, 2023) and Imperium schedule.
- All charges exclusive of GST: Cash advance transaction fee 2.5% of transaction amount or ₹500 whichever is higher (Imperium MITC/FAQ states ₹300 whichever is higher).
- Interest on revolving credit facility 2.90% p.m. (34.80% p.a.).
- Interest on cash advances 2.90% p.m. (34.80% p.a.).
- Over limit fee 2.5% of over limit amount subject to minimum ₹500.
- Late Payment Charges by statement balance: <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
- Cheque/Auto Debit Return Charges ₹500.
- Cash Deposit Charges at branches towards Credit Card payment ₹200.
- Duplicate Statement Request ₹100 per statement (more than 03 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 cross currency mark-up 3.5%.
- Reward Redemption Fee Nil.
- Card Account Closure Charge ₹999 if closed within one year of issuance.
- Charges on Purchase/Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
- Balance Transfer facility currently not provided by the Bank.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Imperium Credit Card30 Jul 2026, 11:30 PM ISTIDBI Bank
Fuel surcharge waiver
- Fuel surcharge waiver: Yes - for transaction value minimum of ₹400, maximum up to ₹4000, maximum waiver of ₹400 per month (per Schedule of Charges effective April 13, 2023).
- Note: the Imperium FAQ states fuel surcharge waiver is not applicable.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
Interest-free period
- Interest free credit period of up to 48 days (ranges from 18 to 48 days depending on scheme and date of purchase).
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers Imperium)30 Jul 2026, 11:30 PM ISTIDBI Bank
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 Imperium Credit Card?
Officially traced: Rs. 499/- per year (Primary card, from 2nd year onwards); waived on minimum spends of Rs. 75,000/- in preceding year.
Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)What is the joining fee on the Imperium Credit Card?
Officially traced: Rs. 499/- (Primary card).
Most Important Terms & Conditions (MITC) – IDBI Bank Imperium Credit CardIs the Imperium Credit Card annual fee ever waived?
Annual fee of Rs. 499/- (from 2nd year onwards) waived on minimum spends of Rs. 75,000/- in the preceding year.
Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium)How does the Imperium Credit Card earn rewards?
2 Delight Points on every purchase transaction of Rs. 150/- (1 Point = Rs. 0.25).
FAQ – IDBI Bank Imperium Credit CardWhat lounge access does the Imperium Credit Card include?
Airport lounge access: NA (not available on Imperium Credit Card).
FAQ – IDBI Bank Imperium Credit CardWhat welcome benefit does the Imperium Credit Card offer?
Welcome Bonus Delight Points on minimum single transaction value of Rs. 1500/-: 500 Points if done within 30 days of card receipt; 300 Points if done between 30-90 days of card receipt.
FAQ – IDBI Bank Imperium Credit CardWhat are the transfer ratios for Imperium 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
Official terms
https://www.idbi.bank.in/imperium-credit-card.aspx.
VerifiedImperium Credit Card.Aspx product page30 Jul 2026, 11:30 PM ISTIDBI Bank
Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )