IDBI Bank Imperium Credit Card
IDBI Bank
IDBI Bank Imperium Credit Card
IDBI Bank
Annual Fee
FREE
Effective Rate
0.50%
Network
MASTERCARD
Point Value
₹0.50/pt
About IDBI Bank Imperium Credit Card
IDBI premium card with lounge access, higher reward multipliers and milestone benefits.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹500 |
| All other spends | 2% | 200 pts≈ ₹100 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the IDBI Bank rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Travel Insurance
Overseas travel and accident insurance
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
~₹3,000/yr value
Dining & Golf Privileges
Discounts on dining and complimentary golf rounds at select courses
~₹4,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹75,000 (ANNUAL)
Annual Fee Waiver – ₹75K Spend: Annual fee of ₹499 waived on achieving spends of more than ₹75,000 in the card anniversary year.
Spend ₹1,00,000 (ANNUAL)
Milestone Bonus – 1,000 Delight Points at ₹1L Spend: Earn 1,000 additional Delight Points on cumulative annual spends of ₹1,00,000.
Spend ₹2,00,000 (ANNUAL)
Milestone Bonus – 1,500 Delight Points at ₹2L Spend: Earn additional 1,500 Delight Points on cumulative annual spends of ₹2,00,000.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the IDBI Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about IDBI Bank Imperium Credit Card.
Ready to apply for IDBI Bank Imperium Credit Card?
Apply directly on the IDBI Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.