IDBI Bank Credit Cards
IDBI Bank - Credit Cards
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IDBI Aspire Platinum Credit Card
Reward Points
About This Bank
About IDBI Bank
IDBI Bank, headquartered in Mumbai and majority-owned by LIC, offers a five-card credit card lineup spanning multiple spending profiles. The RuPay-network Winnings Select card is the most accessible entry point, Aspire Platinum and Imperium Platinum serve everyday reward earners, and the Royale Signature and Euphoria World cards target lifestyle-focused spenders with milestone benefits and travel perks.
Card-by-Card Breakdown
IDBI Royale Signature is the standout in this lineup - IDBI's top-tier card with the strongest rewards and lifestyle benefits, yet carrying no joining or renewal fee at all.
IDBI Aspire Platinum and IDBI Imperium Platinum serve as free-to-low-cost everyday options for regular reward earning.
IDBI Winnings RuPay Select is the only RuPay-network card in the lineup, supporting UPI-linked credit card payments, at a ₹899 renewal fee.
IDBI Euphoria World carries the highest fee in the lineup (₹1,499) in exchange for milestone-based rewards and travel perks - worth it mainly if Royale Signature's free benefits don't already cover your needs.
Applying for an IDBI Bank Credit Card
Applicants generally need a minimum income of ₹3 lakh p.a. and a CIBIL score of 700+, though given Royale Signature's strong free benefits, it's worth checking that tier first before assuming a fee-charging card is necessary. Higher lifestyle-focused cards like Euphoria World may expect a somewhat stronger income profile given their milestone and travel benefit set.
IDBI's cards run on a "Delight Points" rewards currency: Royale Signature earns 3 Delight Points per ₹100, Euphoria World earns 3 per ₹100 generally (6 per ₹100 on travel), Aspire Platinum earns 2 per ₹150 across shopping/dining/travel/movies, and Winnings RuPay Select earns 2 per ₹100.
Explore the full card portfolio below to find the right card for your spending profile.
Featured IDBI Bank Cards
IDBI Bank Royale Signature Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDBI Euphoria World Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹1,499 + GST
Reward Type:
Reward Points
IDBI Bank Imperium Platinum Credit Card
Joining Fee:
Not Available
Renewal Fee:
Not Available
Reward Type:
IDBI Aspire Platinum Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDBI Winnings RuPay Select Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹899 + GST
Reward Type:
Reward Points
IDBI Bank's Card Lineup Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| IDBI Bank Royale Signature Credit Card | Lifetime Free | Reward Points | Strongest rewards, free of charge |
| IDBI Aspire Platinum Credit Card | Lifetime Free | Reward Points | Everyday reward earning |
| IDBI Bank Imperium Platinum Credit Card | Not Available | — | Alternative everyday option |
| IDBI Winnings RuPay Select Credit Card | Free (1st year) | Reward Points | UPI-linked RuPay payments |
| IDBI Euphoria World Credit Card | Free (1st year) | Reward Points | Lifestyle benefits, milestone rewards |
Eligibility Guide
₹3 lakh p.a.
700+
21-60 years
Eligibility
General Criteria
- Age: 21-60 years
- Income: ₹3 lakh p.a.; higher expected for Euphoria World given its premium positioning
- Credit Score: 700+ recommended
- Residency: Indian resident
Key Documents
- PAN card
- Aadhaar or passport (address proof)
- Salary slips or bank statements (income proof)
Check individual card pages for precise eligibility criteria.
All IDBI Bank Credit Cards
Browse & filter all IDBI Bank cards →IDBI Aspire Platinum Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDBI Bank Imperium Platinum Credit Card
Joining Fee:
Not Available
Renewal Fee:
Not Available
Reward Type:
IDBI Bank Royale Signature Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDBI Euphoria World Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹1,499 + GST
Reward Type:
Reward Points
IDBI Winnings RuPay Select Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹899 + GST
Reward Type:
Reward Points