IDBI Bank Imperium Platinum Credit Card (secured)
IDBI Bank · Open to apply
IDBI Bank's Visa Platinum credit card against a fixed deposit, with a limit up to 85% of the deposit, 2 Delight Points per Rs.150 and a Rs.499 annual fee (waived above Rs.75,000 of spend).
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹75,000 spend per card year
- Base rate
- 2 Delight Points for every Rs.150: 2 IDBI Delight Points per ₹150
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No Delight Points on cash disbursements and securities brokers
- No Delight Points on insurance
- No Delight Points on government payments, taxes and fines
- No Delight Points on fuel
Where the sources disagree
- joining fee: The Imperium page lists a joining fee of Rs.499 for the primary card; the MITC schedule lists joining fee nil and an annual fee of Rs.499 from the second year. The MITC (file dated 2026-10-22) is used.
Terms the calculator does not value
- IDBI's documents give no rupee value per Delight Point (a third-party figure of Rs.0.25 was removed), so points are valued at zero and the card's reward value is understated. Redemption minimums and the Rs.20 fee for cashback redemptions of 1,000 to 4,000 points (MITC) are not modelled.
- The MITC excludes passenger railways (MCC 4112) from Delight Points; the calculator's travel-other category also holds other travel, so rail spend is not carved out.
- The fuel surcharge waiver cap is Rs.400 a month in the MITC; the Imperium page says Rs.300 (copied from Aspire's text). The MITC's Rs.400 is entered.
Sources
- IDBI Bank credit card Most Important Terms and Conditions (file dated 22 Oct 2026; schedule effective 2023-04-13) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IDBI Bank Imperium Platinum Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- IDBI Bank, complimentary insurance coverage on credit cards (Product page, the bank's own, read 6 Nov 2026)