info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of IDBI Bank Credit Cards

  • Wide Range of Cards: Travel, shopping, fuel, rewards, and premium cards.
  • Reward Points: Earn points on every spend, redeemable for gifts, vouchers, or air miles.
  • Fuel Surcharge Waiver: Up to 1% waiver on fuel transactions (terms apply).
  • Contactless Payments: Tap-and-pay feature for secure and quick transactions.
  • EMI Facility: Convert high-value purchases into easy EMIs.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Insurance Cover: Air accident cover, lost card liability, and purchase protection.
Credit Card Promotion
Who We Are

Benefits of IDBI Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and travel.
  • Welcome Benefits: Bonus reward points or gift vouchers on activation.
  • Flexible Repayment: Choose between full payment or minimum due.
  • Interest-Free Period: Up to 50 days (varies by card type).
  • Global Acceptance: Use internationally (forex markup fees apply).
  • Add-on Cards: Share benefits with family members.
Check Best Gold Loan Offers

How to Apply for an IDBI Bank Credit Card?

  • Online Application: Go to the Credit Cards section.
  • Select Card: Choose the preferred card and click "Apply Now".
  • Fill Details: Personal, employment, and financial details.
  • Upload Documents: KYC documents (PAN, Aadhaar, Income Proof).
  • Submit & Await Verification: Bank will verify details and process application.

Eligibility Criteria

  • Age: 21-65 years (primary cardholder).
  • Income Requirement: Salaried: Minimum ₹15,000/month (varies by card), Self-employed: Minimum ₹2 Lakh/year.
  • Credit Score: 750+ (preferred for approval).
  • Residency: Indian resident with valid KYC documents.
  • Employment Status: Salaried or self-employed with stable income.
Check Best Gold Loan Offers

Factors Affecting IDBI Credit Card Approval

  • Credit Score (CIBIL/Experian): Higher score increases approval chances.
  • Income Stability: Regular income sources improve eligibility.
  • Existing Debt: High outstanding loans may lead to rejection.
  • Credit Utilization Ratio: Lower utilization (below 30%) is favorable.
  • Employment Type: Salaried professionals get faster approvals.

Usage of IDBI Bank Credit Cards

  • Shopping: Online/offline purchases with reward points.
  • Travel: Book flights/hotels, get discounts, and lounge access.
  • Fuel: Save on fuel spends with surcharge waivers.
  • EMI Payments: Convert big purchases into easy installments.
  • Bill Payments: Pay utility bills and earn rewards.
  • Contactless Payments: Safe and fast transactions via NFC.

FAQs on IDBI Bank Credit Cards

How to check IDBI credit card application status?
Visit IDBI Bank's website → Track Application Status. Call customer care (8885545255).
What is the joining/annual fee?
Varies by card (₹500 to ₹5,000). Some cards have lifetime free offers.
How to activate an IDBI credit card?
SMS "ACTIVATE " to 5676712. Use Internet Banking/Mobile App. Call customer care.
How to redeem reward points?
Log in to IDBI Bank rewards portal. Choose from gift vouchers, merchandise, or cashback.
What is the credit limit on IDBI cards?
Depends on income, credit score, and card type (starts from ₹25,000).
How to increase credit limit?
Request via net banking/customer care. Submit updated income documents.
How to block a lost/stolen card?
Call 8885545255 (24/7 helpline). Block via mobile app/internet banking.

List of IDBI Bank Credit Cards