IDBI Bank Aspire Platinum Credit Card

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.

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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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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.

Verified · MITC – IDBI Bank Credit Card (General / Multi-card) · 2026-08-02 · source

Reward exclusion

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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).

Verified · harvested from product page · 2026-08-02 · source