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.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.33%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in fuel, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.33% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver up to ₹400/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650 0
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹75,000
- Foreign currency markup: 3.5%
- Interest rate: 34.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹400/month on fuel 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 activation + 500 points on first transaction of ₹1,500+ within 30 days
- 1% fuel surcharge waiver up to ₹400/month
- Secured against Fixed Deposit (min ₹20,000), limit up to 85% of FD, no income proof
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