IDBI Bank Imperium Platinum Credit Card

Lounge access

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

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

Forex markup

Foreign Currency Conversion Charges: Cross Currency Mark up of 3.5% (mark-up of 3.5% over and above the cross-currency conversion rate for all international transactions).

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Charge

• Schedule of Fees & Charges effective April 13, 2023 (all exclusive of GST): Cash Advance Transaction Fee 2.5% of transaction amount or ₹500/- whichever is higher.
• Interest on revolving credit facility 2.90% p.m. (34.80% p.a.).
• Interest on cash advance 2.90% p.m. (34.80% p.a.).
• Late Payment Charges (per statement, by statement balance) - up to ₹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 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 Charges - Cross Currency Mark up of 3.5%.
• Reward Redemption Fee Nil.
• Card Account Closure Charges ₹999/- if closed within one year of issuance.
• Charges on Purchase or Cancellation of IRCTC Tickets As Prescribed by IRCTC / Indian Railways.
• Balance Transfer facility is currently not provided by the Bank.

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Interest-free period

• Interest free credit period of up to 48 days (ranges from 18 to 48 days depending on date of purchase).
• Not applicable if previous month's balance is not cleared in full or if cash is withdrawn from ATM.
• For cash advances, interest is charged from the date of transaction.

Verified · Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers Imperium) · 2026-08-02 · source

Fuel surcharge waiver

• Fuel Surcharge Waiver: Yes - for transaction value minimum of ₹400/-, maximum up to ₹4000/-, maximum waiver of ₹400/- per month (Effective from April 13, 2023).
• Note: the Imperium MITC schedule and FAQ state fuel surcharge waiver is NOT available.
• Per the latest General MITC schedule it is available as stated.

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Redemption value

• 1 Delight Point = ₹0.25.
• Reward Redemption Fee for Imperium: NIL.
• Points credited to customers have an expiry period of 3 years.
• Points credited under a campaign or promotional offer expire in 1 year.

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Reward cap

• Delight Points credited to customers have an expiry period of 3 years.
• Points credited under a campaign or promotional offer expire in 1 year.

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Reward exclusion

Verified · General MITC – IDBI Bank Credit Cards (covers all cards including Imperium) · 2026-08-02 · source

Insurance

• Zero Lost Card Liability: Yes.
• Air Accidental Insurance Cover: Not applicable.
• (IDBI Bank offers complimentary lost/stolen card / accidental insurance cover depending on card variant type, provided by a third-party insurance company; policy coverage starts from date of Credit Card set up.).

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

Eligibility

• Imperium is a secured credit card issued against Fixed Deposit(s) held with IDBI Bank.
• Minimum eligible FD is ₹20,000/-.
• Credit limit up to 85% of FD, subject to maximum credit limit of ₹10 lac.
• Documents required: valid PAN card, a photograph and Certificate of Deposit(s).
• FDs must have mode of operations Either/Anyone/Former or Survivor.
• Jointly operated FDs, and FDs held by HUF/Minor/NGO/Trust/Societies/Club/Partnership/Pvt & Public Ltd companies, third-party FDs, sweep-out FDs and INR+FCNR combination FDs are not eligible.
• Add-on card only for members above 18 years.
• Maximum 5 fixed deposits can be linked.
• NRIs eligible against FDs including FCNR deposits.

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