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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.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.33%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.33% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver (max ₹300/month) on transactions between ₹400 and ₹4,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 34.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver (max ₹300/cycle), on transactions between ₹400 and ₹4,000
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 500 Delight Points on card activation + 500 points on first transaction of ₹1,500+ within 30 days; milestone 1,000 pts at ₹1L and 1,500 pts at ₹2L annual spend
- 1% fuel surcharge waiver (max ₹300/month) 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