Let’s say Ram Kumar chooses the IDBI Bank Aspire Platinum Credit Card for its shopping rewards, zero joining fee, and valuable benefits—perfect for his smart, quality-focused, and savings-driven shopping habits.

Let’s take this scenario, in which Ram Kumar gets 2.5%af fuel surcharge waiver for the transaction between ₹400 and ₹4,000

Transactions No.	Fuel Amount	2.5% Surcharge	Total Amount	Waived/Not Waived
Fuel Transaction 1	₹ 500	₹ 12.5	₹ 512.5	Waived
Fuel Transaction 2	₹ 2,500	₹ 62.5	₹ 2,562.5	Waived
Fuel Transaction 3	₹ 4,500	₹ 112.5	₹ 4,612.5	Not Waived
Fuel Transaction 4	₹ 3,500	₹ 87.5	₹ 3,587.5	Waived
Fuel Transaction 5	₹ 2,000	₹ 50	₹ 2,050	Waived

Concerning the above-mentioned table, Ram Kumar’s fuel surcharge of 2.5% was not waived for the 4^th transaction. This is because the transaction has crossed the threshold of ₹ 4,000. Except for this, for other fuel transactions, the surcharge was waived.

Now, let's see how he becomes eligible for the IDBI Bank Aspire Platinum Credit Card

Eligibility Criteria	Ram Kumar’s Case
The cardholder must be between 21 years to 60 years for a salaried professional, whereas for self-employed, the age limit is 65 years.	Ram Kumar is 35 years old.
The cardholder must be a resident of India	He lives in Mumbai.

As expected by IDBI Bank, Ram Kumar meets the expected criteria. However, you must understand that he also has the following eligibility criteria:

A CIBIL score of 750
Salary of ₹ 4,00,000 per annum
Fixed Deposit of ₹ 5,00,000 with 3.25% for 18 months.

These extra criteria make him a strong match to approve this credit card.

Note: The bank also examines the applicant’s CIBIL score and credit history. They have the right to sanction and disapprove a credit card application.

IDBI Credit Card Required Documentation

Let’s see the required documents that he furnished for this credit card application:

Read More – IDBI Bank Loan Statement

Identity Proof	Aadhaar Card, driving license, PAN card, Voter ID, or Passport.
Residence Proof	Electricity Bill, Ration card, previous month’s bank statement, or telephone bill.
Income Proof	Latest Payslip, Form 16, or Income Tax Return

Benefits and features of IDBI Bank Aspire Platinum Credit Card

Features	Benefits
Welcome Benefits	500 Delight Points for the first transaction, within 30 days of card activation. 300 Delight Points for transactions between the 31^st day and to 90^th day, after card activation. Note: To earn 500 Delight Points, the cardholder needs to spend ₹ 1,500.
Welcome Benefits	Example: If Ram Kumar spends ₹ 1,500 within 30 days after the activation of the card, he will get 500 Delight Points.
Reward Points	2 reward points for every ₹ 150.
Reward Points	Example: If Ram Kumar purchases a product worth ₹ 300, he will get 4 reward points. Let’s see this calculation: Product price ₹ 300 2 reward points for ₹ 150 So, total 300/150 = 2 Therefore, 2*2 = 4 reward points
Interest Free Credit	48 days' interest-free credit period.
Interest Free Credit	Example: If Ram Kumar purchases a product for ₹ 10,000 on May 01, Let’s see how the billing cycle works: Billing cycle of April 01 – 30 (30 days) Bill date May 01 Payment date: May 18 Total Interest Free Period – 48 days (30 + 180) Note: If Ram Kumar does not pay ₹ 10,000 on May 18, or has a shortage of ₹ 10,000, then the interest will be charged for it

Fees and Other Charges

Fee Type	Charges
Joining Fees	NIL
Annual Fees	NIL
Cash Advance Fee	2.5% of the transaction fee or ₹ 500 and above.
Cash Processing Charge	₹ 200
Finance Charge	2.9 % per month
Foreign Currency Fee	3.5%
Late Payment Charges	Amount	Charges
	Lesser than ₹ 500	NIL
	₹ 501 to ₹ 5,000	₹ 400
	₹ 5,001 to ₹ 10,000	₹ 500
	₹ 10,001 to ₹ 20,000	₹ 750
	Greater than ₹ 20,000	₹ 950

However, there are other credit cards from IDBI Bank, which also have surplus benefits and rewards.

1. IDBI Bank Royal Signature Credit Card

This is a luxurious credit card that encompasses premium offers and special discounts for the cardholders.

Features	Benefits
Welcome Benefits	750 Delight Points for the first transaction, within 30 days of card activation. 400 Delight Points for transactions between the 31^st day and to 90^th day, after card activation. Note: To earn 500 Delight Points, the cardholder needs to spend ₹ 1,500.
Welcome Benefits	Example: If Ram Kumar spends ₹ 1,500 within 30 days after the activation of the card, he will get 750 Delight Points.
Reward Points	3 reward points for every ₹ 100.
Reward Points	Example: If Ram Kumar purchases a product worth ₹ 300, he will get 9 reward points. Let’s see this calculation: Product price ₹ 300 3 reward points for ₹ 100 So, total 300/100 = 3 Therefore, 3*3 = 9 reward points
Interest Free Credit	48 days' interest-free credit period.
Interest Free Credit	Example: Ram Kumar can get a free 45-day interest period after purchasing a product.
Fuel Surcharge	1% fuel surcharge waiver for transactions between ₹ 400 to ₹ 5,000, with the maximum waiver of ₹ 500 per month.
Air Travel Insurance Coverage	Eligible for ₹ 25,00,000 insurance coverage on air travel.
Air Travel Insurance Coverage	Example: The Cardholder gets insurance for an air accident.
Lounge Access	1 free domestic airport lounge access in one financial quarter of every calendar year.
Lounge Access	Example: Ram Kumar can access any domestic lounge access of the airport in a financial quarter of every calendar year.
Zero-Lost Liability	The cardholder need not take accountability for loss or fraudulent transactions.
Zero-Lost Liability	Example: Ram Kumar no need to take responsibility for fraudulent transactions, after reporting the loss of the credit card.

Fees and Other Charges

Fee Type	Charges
Joining Fees	NIL
Annual Fees	NIL
Cash Advance Fee	2.5% of the transaction fee or ₹ 500 and above.
Cash Processing Charge	₹ 200
Finance Charge	2.5 % per month
Foreign Currency Fee	3.5%
Late Payment Charges	Amount	Charges
	Lesser than ₹ 500	NIL
	₹ 501 to ₹ 5,000	₹ 400
	₹ 5,001 to ₹ 10,000	₹ 500
	₹ 10,001 to ₹ 20,000	₹ 750
	Greater than ₹ 20,000	₹ 950

2. IDBI Euphoria Credit Card

This premium credit card is suitable for those who like to spend on travel needs.

Features	Benefits
Reward Points	6 Delight Points for every ₹ 100 spent on travel categories. 3 Delight Points for other categories
	Example: If Ram Kumar purchases a flight ticket for ₹ 1,500, he will get 90 reward points. Let’s see this calculation: Product price ₹ 1,500 6 reward points for ₹ 100 So, total 1,500/100 = 15 Therefore, 6*15 = 90 reward points
Interest Free Credit	48 days' interest-free credit period.
	Example: Here too, Ram Kumar gets an interest-free credit period.
Fuel Surcharge	1% fuel surcharge waiver for transactions between ₹ 400 to ₹ 5,000, with the maximum waiver of ₹ 500 per month.
	Example: If Ram makes a fuel transaction of ₹ 800, he will get a 1% waiver.
Air Travel Insurance Coverage	Eligible for ₹ 25,00,000 insurance coverage on air travel.
	Example: Ram Kumar becomes eligible for insurance coverage on air travel after activating the card.
Lounge Access	Unlimited domestic lounge access only at select airports in India.
	Example: Ram can enjoy unlimited domestic lounge access in select Indian airports.
Zero-Lost Liability	The cardholder need not take accountability for loss or fraudulent transactions.
	Example: The cardholder is not accountable for fraudulent transactions or loss of the credit card.

Fees and Other Charges

Fee Type	Charges
Joining Fees	NIL
Annual Fees	₹ 1,499 (from the second year onwards)
Annual Fees Waiver	Only if the transaction exceeds ₹ 1,50,000 in a year.
Cash Advance Fee	2.5% of the transaction fee or ₹ 500 and above.
Cash Processing Charge	₹ 200
Finance Charge	2.9 % per month
Foreign Currency Fee	3.5%
Late Payment Charges	Amount	Charges
	Lesser than ₹ 500	NIL
	₹ 501 to ₹ 5,000	₹ 400
	₹ 5,001 to ₹ 10,000	₹ 500
	₹ 10,001 to ₹ 20,000	₹ 750
	Greater than ₹ 20,000	₹ 950

FAQs

1. What is the joining fee for the IDBI Bank Aspire Platinum Credit Card?

There is no joining fee for the IDBI Bank Aspire Platinum Credit Card.

2. What is the annual fee for the IDBI Bank Royal Signature Credit Card?

There is no annual fee for the IDBI Bank Royal Signature Credit Card.

Also Read - IDBI Bank Net Banking

3. What is the annual fee for the IDBI Euphoria Credit Card?

The annual fee for the IDBI Euphoria Credit Card is ₹ 1,499, which is from the second year onwards.

4. Does the IDBI Euphoria Credit Card have an annual fee waiver?

Yes, it has an annual fee waiver if the yearly transaction exceeds ₹ 1,50,000.

5. What is the interest-free credit for the IDBI Euphoria Credit Card?

The cardholder gets 48 48-day interest-free credit period.

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