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IDBI Bank
IDBI Bank Aspire Platinum Credit Card
Visa
IDBI Bank Aspire Platinum Credit Card
IDBI Bank's lifetime-free entry card requiring an existing IDBI savings/current account, earning 'Delight Points' on travel, shopping, dining-out and movies with a modest welcome bonus.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.33%
Card network
Visa
Card tier
Entry
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 500 Delight Points on first card usage within 30 days of issuance, or 300 points if used within 31–90 days
- 1% fuel surcharge waiver (max ₹300/cycle), on transactions between ₹400 and ₹4,000
Pros
- + Zero joining and annual fee for life
- + No minimum income requirement disclosed
- + Welcome bonus points on first usage
Cons
- − Requires an existing IDBI Bank savings/current account to apply
- − Low base reward rate and no lounge access disclosed
Applying takes you to IDBI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.