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Features of IDBI Bank Classic Credit Card

  • Overview of the Card: The IDBI Bank Classic Credit Card is designed to offer a simple yet effective credit experience with a focus on everyday savings. With a low annual fee, rewarding Delight Points program, and broad merchant acceptance, this card suits salaried individuals, families, and first-time users looking for essential credit benefits without unnecessary complexity.
  • Delight Points Rewards Program: Earn 2 Delight Points for every ₹150 spent on eligible categories such as shopping, travel, and dining. New users get a welcome bonus of up to 500 Delight Points upon making a ₹1,500 transaction within 30 days of card issuance. Points never expire as long as the card is active.
  • Flexible Redemption Options: Delight Points can be redeemed for cashback (e.g., 1,000 points = ₹250), branded gift vouchers, electronics, and travel bookings via the Login to Loans rewards portal, ensuring maximum utility.
  • Monthly Milestone Benefits: Receive 100 bonus Delight Points each month by making at least 5 transactions of ₹1,000 or more, rewarding consistent usage and maximizing your reward potential.
  • No Expiry on Points: Delight Points remain valid as long as the card is active, allowing you to accumulate rewards at your own pace for high-value redemptions.
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    • Advanced Security – EMV and PIN-Based: Equipped with EMV chip technology and PIN authentication for secure transactions, reducing cloning and skimming risks both online and offline.
    • Zero Liability Protection: In case of card loss or theft, report promptly via Login to Loans to ensure you are not held liable for any unauthorized transactions post-notification.
    • Online Transaction Security: Transactions are protected with 3D Secure (OTP-based), ensuring safe shopping on e-commerce platforms.
    • Global and Domestic Acceptance: Accepted at over 29 million global outlets and 9 lakh+ merchants across India, from cafés and fuel stations to shopping portals and restaurants.
    • Contactless Payment Support: Tap and pay for purchases up to ₹5,000 without a PIN, making routine spending faster and safer.
    • Foreign Usage and DCC Support: Currency conversion at competitive rates. Dynamic currency conversion option available for paying in INR when traveling abroad.
    • Flexible Credit Limits: Limits are set based on your credit profile or fixed deposit (secured card) – up to 85% of deposit value, ideal for new credit users.
    • Interest-Free Period: Enjoy up to 48 days of interest-free credit on full bill payments – helpful for large or emergency spends.
    • Balance Transfer Option: Transfer dues from other cards to IDBI Bank Classic Credit Card at lower interest rates and repay in easy terms.
    • Flexible Repayment: Pay either the total due, minimum due (5%), or custom amount based on your cash flow without harming your credit score.
    • Add-On Cards: Family members aged 18+ can enjoy similar card benefits. Add-on usage contributes to your rewards and can have preset limits.
    • Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹400–₹5,000, saving up to ₹300/month – ideal for regular commuters.
    • Air Accident Insurance: Complimentary air accident insurance cover up to ₹25 lakhs – applicable when tickets are booked using the card.
    • EMI Facility: Convert large purchases (above ₹2,500) into affordable equated monthly installments (EMIs) with tenures from 3 to 24 months. This feature is available at select merchants or through Login to Loans, making big-ticket items more budget-friendly.
    • Lifestyle Benefits: Enjoy exclusive discounts on dining, shopping, travel, and entertainment through partnerships with leading brands. These offers are updated regularly and accessible via Login to Loans, adding value to your card usage.
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Benefits of the IDBI Bank Classic Credit Card

  • 1. Financial Savings Through Rewards and Discounts:
    • Delight Points Savings: Earn 2 Delight Points per ₹150 spent. Spending ₹50,000/month earns ~666 points (worth ₹166.50). Annually, this can yield ₹2,000+ in redeemable value, reducing net cost.
    • Welcome Bonus: Earn 500 Delight Points on your first transaction of ₹1,500 within 30 days, worth ₹125 cashback.
    • Fuel Surcharge Waiver: Get 1% waiver on fuel transactions up to ₹300/month – saves ₹1,200 annually on ₹10,000 monthly fuel spend.
    • Exclusive Offers: Enjoy cardholder-only discounts like 15% off at restaurants, 10% off retail outlets, or hotel deals, available via Login to Loans.
    • Convenience and Payment Flexibility: The card simplifies transactions and offers flexible repayment options, fitting seamlessly into your busy lifestyle.
    • Universal Acceptance: Accepted at over 29 million global merchants and 9 lakh domestic outlets, eliminating the need to carry cash or multiple cards.
    • Contactless Payments: Tap-to-pay feature with ₹5,000 PIN-free limit for quick, secure everyday purchases.
    • Interest-Free Credit: Up to 48-day interest-free period on purchases for better cash flow management.
    • Flexible Repayments: Pay full balance, minimum due, or any amount in between to suit your budget.
    • EMI Conversion: Convert large purchases into EMIs for easy monthly installments and budget control.
    • Lifestyle Enhancements and Travel Perks: Elevate your lifestyle with premium privileges and curated travel benefits.
    • Airport Lounge Access: Complimentary domestic lounge visits with comfort and refreshments pre-flight.
    • Travel Insurance: ₹25 lakhs air travel accident insurance for tickets purchased with the card.
    • Lifestyle Discounts: Enjoy offers on dining, shopping, and entertainment via Login to Loans platform.
    • Global Convenience: International acceptance and favorable currency exchange rates for overseas use.
    • Security and Peace of Mind: Advanced protection features safeguard your finances and ensure transaction safety.
    • Fraud Protection: EMV chip, PIN, and 3D Secure reduce risk of unauthorized transactions.
    • Zero Liability: Report lost/stolen card immediately via Login to Loans to avoid financial liability.
    • 24/7 Support: Round-the-clock customer service for assistance with disputes, issues, or queries.
    • Global Security Compliance: Visa/EMV technology ensures safe transactions worldwide.
    • Family-Oriented Features: Extend card benefits to your loved ones for shared savings and convenience.
    • Add-On Cards: Provide family members with add-on cards that earn shared rewards and enjoy core benefits.
    • Spending Control: Set custom limits for add-on cards to manage usage and maintain discipline.
    • Consolidated Rewards: Points from all linked cards are credited to your account for simplified redemption.
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How to Apply for IDBI Bank Classic Credit Card

  • Online Application: Visit Login to Loans → Select IDBI Bank Classic Credit Card → Click on "Apply Now".
  • Access Application Form: Fill in personal, contact, employment, and income details with accurate information.
  • Upload Documents: Submit scanned copies of identity, address, income proof, and a recent photograph (PDF/JPEG formats preferred).
  • Review & Submit: Verify all entered details, agree to terms, and digitally submit the form.
  • Track Application: Use the reference number provided by Login to Loans to check real-time status updates.
  • Alternate Application Methods:
    • Branch Visit: Visit the nearest IDBI Bank branch with originals and copies of all required documents. Login to Loans can help schedule the visit.
    • Phone Application: Call Login to Loans helpline to apply. A representative will guide you through document collection and verification.
  • Application Processing:
    • Verification: The bank may contact you for clarification or additional verification.
    • Approval Time: Online and phone applications are processed in 7–14 days. Branch applications may take slightly longer depending on documentation.
  • Post-Approval Steps:
    • Receive approval SMS/email from IDBI Bank or Login to Loans.
    • Physical card dispatched to registered address with welcome kit.
    • Activate the card via customer care, ATM, or Go Mobile+ app.
    • Set up net banking or mobile banking for card management.
  • Secured Card Option: For applicants with low income or limited credit history, apply for a secured Classic Credit Card against a fixed deposit (FD).
  • Pre-Qualification Offers: Existing customers may receive pre-approved offers. Check eligibility via Login to Loans portal.
  • Tips for Successful Application:
    • Ensure credit score is above 700 for better approval chances.
    • Double-check documents for consistency in name, DOB, and address.
    • Avoid applying for multiple cards in a short span to prevent credit score dips.
    • Respond quickly to any verification or follow-up calls.
  • Common Application Challenges:
    • Rejection: Wait 3–6 months, improve credit score, and reapply.
    • Document Issues: Ensure scanned copies are clear and legible with no missing pages.
    • Delays: Track status using your reference number or contact Login to Loans support.
  • Customer Support:
    • Login to Loans Helpline: Call or chat for assistance with the application or documentation process.
    • IDBI Bank Branches: Visit for personalized support or complex cases.
  • Digital Application Benefits: Fast, paperless, and convenient for urban applicants with Aadhaar and PAN integration for seamless e-KYC.

Eligibility Criteria for IDBI Bank Classic Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 21–65 years
    • Salaried: Eligible up to 60 years (aligned with retirement age)
    • Self-Employed: Eligible up to 65 years with proof of stable income
    • Add-on Cardholder: Minimum age of 18 years
  • 2. Residential Status
    • Indian citizens and NRIs with Indian financial footprint are eligible
    • Proof of residency such as Aadhaar, Passport, or utility bills is mandatory
  • 3. Income and Financial Stability
    • Salaried: Minimum annual income of ₹4–5 lakh (submit salary slips, Form 16)
    • Self-Employed: Submit ITRs and audited financials for past 2 years
    • Secured Card Option: Link to a fixed deposit (credit limit up to 85% of FD)
  • 4. Credit Score
    • CIBIL score of 700+ preferred
    • Score above 750 boosts approval odds significantly
    • No recent defaults or high utilization on existing cards
  • 5. Employment/Business Stability
    • Salaried: 6–12 months of continuous employment recommended
    • Self-Employed: Business must be operational for 2+ years
  • 6. Application Completeness
    • Application form must be filled accurately
    • All required documents must be attached and consistent
  • 7. Relationship with IDBI Bank
    • Existing customers may get faster approvals or pre-qualified offers
    • Strong savings or FD history adds to eligibility
  • 8. KYC & Contact Verification
    • Mandatory PAN and Aadhaar for KYC compliance
    • Active email and mobile number needed for OTP and updates
  • 9. Debt-to-Income Ratio (DTI)
    • DTI should ideally be below 40%
    • High existing EMIs can lower disposable income and approval chances
  • 10. Credit Utilization & History
    • Credit utilization should stay below 30% on existing cards
    • Multiple recent hard inquiries or rejections can negatively impact approval
  • 11. Application Channels
    • Apply via bank branch, website, or Login to Loans portal
    • Online applicants must upload scanned documents
  • 12. Employment Documentation
    • Salaried: Provide salary slips and appointment letter
    • Self-Employed: Provide business license or registration and GST certificate
  • 13. NRI Eligibility (For Secured Variant)
    • NRIs must hold an NRE/NRO account or fixed deposit with IDBI Bank
  • 14. Add-on Card Eligibility
    • Immediate family members aged 18+ can apply
    • Relationship proof such as Aadhaar or birth certificate required
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Documents Required for IDBI Bank Classic Credit Card

  • 1. Identity Proof (Any One):
    • Aadhaar Card: Must match name on other documents. Mask first 8 digits for security unless requested.
    • Passport: Must be valid and carry your photo.
    • PAN Card: Mandatory for financial identity and income tax linking.
    • Driving License: Accepted if unexpired and clear.
    • Voter ID: Government-issued identity proof with photo.
  • 2. Address Proof (Any One):
    • Aadhaar Card: If address reflects current residence.
    • Utility Bills: Electricity, gas, or water bill (not older than 3 months).
    • Passport: Accepted if updated with current address.
    • Rental Agreement: Preferably registered; include utility bill as supporting proof.
    • Driving License or Voter ID: If address is up-to-date.
    • Ration Card: Accepted in select cases as residential proof.
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 3–6 months’ salary slips
      • Last 6 months’ bank statement showing salary credits
      • Latest Form 16
    • Self-Employed Individuals:
      • ITRs for past 2 years with income computation
      • Audited financials (P&L, Balance Sheet)
      • 6–12 months’ business bank statement
    • Secured Card Applicants:
      • FD Receipt or Account Statement
      • FD Lien Letter (if required)
  • 4. Photograph: One or two recent passport-size color photographs. Digital upload required for online applications.
  • 5. Application Form: Filled and signed credit card application form. Must match all supporting documents. Available online or at branches.
  • 6. Employment Proof:
    • Salaried: Appointment letter, employee ID, or company offer letter.
    • Self-Employed: Business license, GST certificate, or professional certificate.
  • 7. Additional Documents (if applicable):
    • NRIs: NRI account statement, visa copy, overseas address proof.
    • Add-on Card Applicants: ID proof of add-on cardholder and relationship proof (e.g., marriage/birth certificate).
    • Existing Cardholders: Latest credit card statements or repayment record.
  • 8. Submission Guidelines:
    • Ensure documents are valid, legible, and up to date.
    • Match all names and addresses across forms and documents.
    • Use PDF or JPEG format for online upload. Originals must be shown for offline KYC.

Factors Affecting Eligibility for IDBI Bank Classic Credit Card

  • 1. Age Criteria: Primary applicants must be 21–60 years (salaried) or up to 65 years (self-employed). Add-on cardholders must be 18+. Those outside this range may only qualify through a secured card backed by a fixed deposit.
  • 2. Income Stability: A steady income is essential. Salaried individuals typically need an annual income of ₹4–5 lakh. Self-employed applicants must show consistent revenue through ITRs. Secured card applicants can bypass income checks by linking a fixed deposit.
  • 3. Credit Score and History: A CIBIL score of 700–750+ is preferred. The bank also evaluates your credit report for repayment discipline, defaults, and credit utilization ratio (should ideally be below 30%).
  • 4. Employment and Business Stability: A stable job of 6–12 months or a business with 2+ years of operational history boosts approval chances. Frequent job changes or newly started businesses may affect your profile negatively.
  • 5. Residency Status: Only Indian residents or NRIs with an Indian financial footprint (like a bank account or FD) are eligible. Documentation proof such as Aadhaar, utility bills, or visa is mandatory.
  • 6. Existing Credit Card Ownership: Having too many cards (7–8+) may signal over-leverage. A clean repayment record on current cards helps. Holding fewer cards with responsible usage improves chances.
  • 7. Payment History and Defaults: Any missed EMIs, late payments, or charge-offs can reduce eligibility. A consistent record of on-time payments significantly increases your approval odds.
  • 8. Debt-to-Income Ratio (DTI): Ideally, your DTI should be under 40%. High EMIs compared to your income reduce disposable funds and increase perceived risk to the bank.
  • 9. Relationship with IDBI Bank: Existing customers with good savings, FD history, or timely repayments may receive pre-approved offers and enjoy easier documentation requirements.
  • 10. Application Accuracy and Completeness: Discrepancies between the form and supporting documents or missing details can lead to rejection. Ensure your form is filled accurately and all required documents are attached.
  • 11. Credit Inquiries: Multiple recent hard inquiries (e.g., applying for multiple loans or cards in a short time) may lower your credit score and raise red flags.
  • 12. Credit Utilization Ratio (CUR): If you regularly use more than 30% of your credit limit, it may indicate dependency on credit and impact approval chances.
  • 13. Type of Employment: Government employees and professionals (like doctors, CAs, etc.) are often viewed as more stable, whereas applicants from high-risk or seasonal industries may face more scrutiny.
  • 14. Location and Service Area: Approval chances are higher for applicants from metro and Tier-1 cities. Applicants from remote or unserviceable pin codes may be declined or face delays.
  • 15. Educational Background: While not a primary criterion, higher education levels can add to your creditworthiness, especially if applying for unsecured credit for the first time.
  • 16. Mode of Application: Applications via trusted partners or branches (like Login to Loans) may benefit from pre-screening and faster verification versus direct walk-ins.
  • 17. Existing Liabilities: Active home loans, personal loans, or multiple EMIs are considered while calculating repayment capacity. Too many obligations may affect creditworthiness.

Frequently Asked Questions (FAQs) – IDBI Bank Classic Credit Card

1. What are the key features of the IDBI Bank Classic Credit Card?
Entry-level credit card with basic benefits like contactless payments, rewards on spending, fuel surcharge waiver, and complimentary airport lounge access (terms apply).
2. What is the joining fee and annual fee for this card?
The joining fee may be waived under promotional offers. Annual fees vary but are often waived on achieving a minimum annual spend threshold. Please check with IDBI Bank for the latest terms.
3. What is the interest rate on unpaid dues?
The interest rate is typically around 3.4% per month (approx. 40.8% annually), but this may vary. Confirm the current rate with IDBI Bank.
4. Does the IDBI Classic Credit Card offer reward points?
Yes, reward points are earned on eligible retail spends (e.g., 1 point per ₹100 spent). Points can be redeemed for vouchers, gifts, or statement credit.
5. Is there a fuel surcharge waiver?
Yes, the card typically offers a 1% fuel surcharge waiver at petrol pumps across India. Minimum transaction value and monthly cap may apply.
6. Does this card provide airport lounge access?
Selected variants offer complimentary lounge access (e.g., 2–4 times per year) subject to usage and spending criteria.
7. What is the credit limit on the IDBI Classic Credit Card?
The credit limit is based on the applicant’s income, credit profile, and internal bank assessment. Limits typically start from ₹25,000 and may go higher.
8. How can I pay my IDBI Classic Credit Card bill?
Payments can be made via Net Banking, Mobile App, NEFT/IMPS, Auto-debit instructions, or by visiting the nearest IDBI Bank branch.
9. Is there an EMI conversion facility?
Yes, eligible transactions can be converted into EMIs at attractive interest rates. Terms and conditions apply.
10. How do I check my reward points balance?
You can check your reward points by logging into IDBI Bank’s Net Banking, Mobile Banking app, or by contacting customer care.

List of IDBI Bank Classic Credit Card Branches in Telangana

  • Hyderabad - Banjara Hills
  • Hyderabad - Gachibowli
  • Hyderabad - Kukatpally
  • Hyderabad - Madhapur
  • Hyderabad - Dilsukhnagar
  • Hyderabad - Ameerpet
  • Hyderabad - Secunderabad
  • Hyderabad - Begumpet
  • Hyderabad - Somajiguda
  • Telangana - Warangal
  • Warangal - Hanamkonda
  • Warangal - Jangaon
  • Telangana - Khammam
  • Khammam - Wyra Road
  • Telangana - Nizamabad
  • Nizamabad - Vinayak Nagar
  • Telangana - Karimnagar
  • Karimnagar - Mukarampura
  • Telangana - Mahabubnagar