All cards / IDBI Bank
IDBI Imperium Platinum
A secured credit card backed by FD, ideal for building credit without income verification — useful for first-time cardholders or non-salaried individuals.
Rates and fees last verified 19 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.35%
Card network
Visa
Card tier
Entry
Eligibility
- Minimum credit score: 650 0
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 1% fuel surcharge waiver up to ₹300/month
- Secured against Fixed Deposit, no income requirement
Pros
- + Secured by FD (no income verification needed)
- + Build credit from scratch
- + No credit score requirement
Cons
- − Requires FD as collateral
- − Modest rewards and benefits
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.