IDBI Bank Imperium Credit Card.Aspx

Lounge access

Airport lounge access: NA (not available on Imperium Credit Card).

Verified · FAQ – IDBI Bank Imperium Credit Card · 2026-07-30 · source

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.

Verified · Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium) · 2026-07-30 · source

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.

Verified · Most Important Terms & Conditions (MITC) – IDBI Bank Imperium Credit Card · 2026-07-30 · source

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• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers Imperium) · 2026-07-30 · source

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.

Verified · Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium) · 2026-07-30 · source

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).

Verified · Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium) · 2026-07-30 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards (General, covers Imperium) · 2026-07-30 · source

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.

Verified · FAQ – IDBI Bank Imperium Credit Card · 2026-07-30 · source

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).

Verified · FAQ – IDBI Bank Imperium Credit Card · 2026-07-30 · source

Official terms

https://www.idbi.bank.in/imperium-credit-card.aspx.

Verified · Imperium Credit Card.Aspx product page · 2026-07-30 · source