IDBI Bank Imperium Platinum Credit Card – Benefits, Fees & Eligibility

is_active: true joining_fee: "₹499 + GST" joining_fee_numerical: 499 renewal_fee: "₹499 + GST" renewal_fee_numerical: 499 best_suited_for: ["Shopping","Movies","Travel"] reward_type: "Reward Points" welcome_benefits: "Earn 500 bonus Delight Points on card activation. Get 500 bonus Delight Points on first transaction of ₹1,500+ within 30 days. Plus, 300 bonus Delight Points on ₹1,500+ spends between 31-90 days of issuance." movie: "Earn 2 Delight Points for every ₹150 spent on movies." dining: null rewards_rate: "Earn 2 Delight Points for every ₹150 spent on shopping, movies, and travel. Get 1,000 bonus points on annual spends of ₹1 Lakh and 1,500 bonus points on ₹2 Lakhs." reward_redemption: "1 Delight Point = ₹0.25. Redeemable on IDBI Delight reward portal or at Max Get More merchant outlets." travel: "Earn 2 Delight Points for every ₹150 spent on travel. Enjoy VISA travel concierge services." domestic_lounge_access: null international_lounge_access: null golf: null insurance_benefits: "Zero Lost Card Liability covers fraudulent transactions after reporting card loss." spend_based_waiver: "Annual fee waiver on spends of more than ₹75,000 in a year." rewards_redemption_fee: "Nil" foreign_currency_markup: "3.5% cross-currency markup." interest_rates: "2.9% per month on revolving credit." fuel_surcharge: "1% waiver on fuel surcharge for transactions between ₹400 and ₹4,000, with a maximum waiver of ₹300 per month." cash_advance_charges: "2.5% of transaction amount or ₹500, whichever is higher." product_details:

- "Secured credit card issued against Fixed Deposits on the VISA platform." - "Credit limit up to 85% of your Fixed Deposit(s)." - "Cash withdrawal limit up to 70% of your credit limit." - "Enjoy up to 48 days of interest-free credit on purchases." - "Accepted at over 9 lakh merchants in India and 29 million abroad." - "Add-on cards available for family members (18+ years)." - "Exclusive VISA offers on travel, shopping, hotels, and car rentals." - "Digitised Credit Card Welcome e-Kit for card usage details." pros: - "Ideal for individuals with limited credit history or first-time card users." - "Offers higher credit and cash advance limits based on Fixed Deposit." - "Secured card provides a safe way to build credit." - "Hassle-free documentation process for application." - "Good reward rate on everyday spends like shopping, movies, and travel." cons: - "Limited premium benefits and privileges compared to other cards." - "Card account closure charge of ₹999 if closed within one year." - "High late payment and over-limit charges apply." - "Secured card requires a fixed deposit, blocking funds." faqs: - question: "What is the IDBI Bank Imperium Platinum Credit Card?" answer: "It is a secured credit card issued on the VISA platform against your Fixed Deposit(s) with IDBI Bank." - question: "What are the joining and annual fees for the Imperium Platinum Credit Card?" answer: "The joining fee for the primary card is ₹499 + GST, and the annual fee is ₹499 + GST. Add-on cards have no joining or annual fees." - question: "How can I get an annual fee waiver?" answer: "The annual fee is waived on spends of more than ₹75,000 in a year." - question: "