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Features of the IDBI Bank Imperio Credit Card

  • Secured Credit Against Fixed Deposits: The Imperium Platinum Credit Card is issued against a fixed deposit held with IDBI Bank, making it an accessible option for those who may not qualify for traditional credit cards due to credit history or income constraints. Cardholders can avail a credit limit of up to 85% of their fixed deposit amount, providing substantial spending power while ensuring the bank’s risk is mitigated. This feature is particularly appealing for those looking to build or improve their credit profile, as it allows access to credit facilities without the need for extensive credit checks.
  • High Cash Withdrawal Limit: Unlike many credit cards that restrict cash withdrawals, the Imperium Platinum Credit Card offers a generous cash withdrawal limit of up to 70% of the credit limit. This feature provides flexibility for cardholders who may need quick access to cash for emergencies or other financial needs, making it a practical choice for those who value liquidity alongside credit access.
  • Worldwide Acceptance: The card operates on the VISA platform, ensuring global acceptance at over 9 lakh merchants in India and more than 29 lakh stores worldwide. This extensive network makes the Imperium Platinum Credit Card a reliable companion for both domestic and international transactions, whether for shopping, dining, or travel-related expenses. The global reach ensures cardholders can use it confidently wherever they go, from local stores to international destinations.
Bank of Baroda Premier Credit Card
    • Add-On Cards for Family Members: The card allows primary cardholders to issue add-on cards for family members above 18 years of age. These add-on cards come with the same benefits and features as the primary card, enabling family members to enjoy the card’s privileges. The Delight Points earned on add-on cards are consolidated with those of the primary card, streamlining reward accumulation and redemption for the entire family.
    • Digital Welcome e-Kit: In line with IDBI Bank’s commitment to sustainability, the Imperium Platinum Credit Card includes a digitized Welcome e-Kit. This e-Kit provides comprehensive information about card usage, the cardholder agreement, and the Most Important Terms and Conditions (MITC) in a downloadable PDF format. This eco-friendly approach reduces paper usage and ensures cardholders have easy access to essential details at their fingertips.
    • Interest-Free Credit Period: The card offers an interest-free credit period of up to 48 days on purchases, allowing cardholders to manage their expenses without incurring immediate interest charges. This feature provides financial flexibility, enabling users to plan their repayments strategically, whether they choose to pay the total outstanding amount, the minimum amount due, or an amount in between.
    • Robust Reward Program: The Imperium Platinum Credit Card features a rewarding Delight Points program. Cardholders earn 2 Delight Points for every ₹150 spent on eligible transactions, such as shopping, travel, dining, and entertainment. Additionally, new cardholders receive a welcome bonus of 500 Delight Points for a minimum transaction of ₹1500 within 30 days of card issuance, or 300 points for transactions between 31 and 90 days. This structured reward system encourages frequent use and enhances the card’s value proposition.
    • Travel Concierge Services: Powered by VISA, the card offers exclusive travel concierge services, assisting cardholders with travel-related needs such as booking flights, hotels, or car rentals. These services add a layer of convenience for frequent travelers, ensuring a seamless experience when planning trips domestically or internationally.
Premier Card Benefits

Benefits of the IDBI Bank Imperio Credit Card

  • Exclusive VISA Offers: Cardholders gain access to exclusive offers provided by VISA, covering categories such as airport shopping, hotel bookings, and car rentals. These offers are tailored to enhance the travel and lifestyle experiences of cardholders, providing discounts and privileges at select merchants. While these offers are subject to change at VISA’s discretion, they add significant value for those who frequently travel or shop at premium outlets.
  • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4000 at fuel stations across India. This benefit is particularly valuable for cardholders who rely on personal vehicles, as it reduces the cost of fuel purchases, making everyday commuting or long drives more economical.
  • Flexible Repayment Options: The Imperium Platinum Credit Card provides flexibility in managing repayments. Cardholders can choose to pay the full outstanding amount, the minimum amount due, or any amount above the minimum, depending on their financial situation. Combined with the interest-free period of up to 48 days, this feature allows users to align repayments with their cash flow, reducing financial stress.
    • Reward Point Redemption: The Delight Points earned through the card can be redeemed for a variety of rewards, including movie tickets, bus tickets, air tickets, mobile recharges, DTH recharges, and cashback.
    • Enhanced Financial Discipline: As a secured credit card, the Imperium Platinum Credit Card encourages responsible financial behavior. Since the credit limit is tied to a fixed deposit, cardholders are incentivized to use the card wisely.
    • Add-On Card Benefits for Family: The ability to issue add-on cards for family members extends the card’s benefits to loved ones. Family members can enjoy the same privileges, such as reward points making it a family-friendly card.
    • Zero Liability on Fraud: Cardholders are protected from unauthorized transactions if reported promptly.
    • Contactless Payment: Enables fast, tap-and-go payments for everyday purchases, secured by EMV chip and 3D Secure authentication.
    • Security and Fraud Protection: In case of card loss or theft, cardholders can report the issue to the bank’s 24x7 customer care, and the bank will block the card to prevent unauthorized transactions.
    • Accessibility for Fixed Deposit Holders: For individuals with fixed deposits at IDBI Bank, the Imperium Platinum Credit Card offers an easy way to leverage their savings for credit access.
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How to Apply for the IDBI Bank Imperio Credit Card

  • Application Channels:
    • Customer Care: Call 1800 425 7600 (toll-free) or 022 4042 6013 (non-toll-free) for 24x7 assistance. Provide your details and request application support. A bank representative may guide you and arrange document collection.
    • Visit a Branch: Go to your nearest IDBI Bank branch with required documents. A bank officer will help you fill out the form and complete the verification process.
    • Online Application: Visit IDBI Bank’s official website, navigate to the credit card section, and apply online by submitting your fixed deposit and personal details. Upload scanned documents as required.
  • Eligibility Criteria:
    • Age: 21–60 years for salaried, up to 65 years for self-employed. Add-on cardholders must be 18+.
    • Residency: Must be a resident of India.
    • Fixed Deposit: Card is issued against an FD with IDBI Bank in single, E/S/FOS mode only. Joint FDs, tax-saving FDs, sweep-out FDs, and those held by HUFs, minors, or entities are not eligible.
    • Bank’s Discretion: Final approval depends on IDBI’s internal evaluation and criteria.
  • Required Documents:
    • PAN Card: Mandatory for identification.
    • Duly Discharged COD: Confirmation of Deposit form for the fixed deposit.
    • Recent Photograph: Passport-size color photo.
    • Additional Documents (if required): May include address proof, income proof (e.g., salary slips, ITRs, bank statements) based on profile.
  • Post-Application Steps:
    • Processing Time: Applications are typically processed within a few working days. Cards are dispatched within 7 working days of approval.
    • Card Activation: Activate via instructions in the Welcome Kit. May include setting up internet banking or PIN generation.
    • Delight Points Activation: Register and activate your Delight Account online or via customer care to start redeeming points from the rewards catalog.
  • Application Tips:
    • Ensure your fixed deposit meets all eligibility rules before applying.
    • Have all documents ready in digital or physical format to avoid delays.
    • Contact customer care or branch staff if you need clarification on the process.
    • Review the MITC (Most Important Terms and Conditions) included in your Welcome Kit for full clarity on fees and charges.
    • Note: The IDBI Bank website may occasionally be unavailable due to maintenance (e.g., 22nd March 2025, 7:00 PM to 23rd March 2025, 6:00 AM).

Eligibility Criteria for the IDBI Bank Imperio Credit Card

  • Age Requirements:
    • Primary Cardholder: 21–60 years for salaried applicants, up to 65 years for self-employed individuals.
    • Add-On Cardholders: Must be at least 18 years old (applicable to spouse, children, or parents).
  • Income and Employment Stability:
    • Salaried Individuals: Must have stable employment with a reputed organization.
    • Self-Employed Professionals: Should demonstrate consistent business income over the last 2 years.
    • Minimum Income (Indicative): While not officially declared, higher income levels are generally expected for premium cards.
  • Employment Status:
    • Salaried: Should be working in a government/public sector unit or an established private organization.
    • Self-Employed: Valid business registration and income documentation are required.
  • Creditworthiness:
    • Credit Score: A score of 700+ is preferred; scores of 750+ improve approval chances significantly.
    • Credit History: Should be free from recent defaults, high credit utilization, or excessive inquiries.
    • Debt-to-Income Ratio: A low DTI ratio is preferred to demonstrate repayment capability.
  • Residency and Nationality:
    • Indian Residents: Must provide valid address proof and reside in a serviceable location.
    • NRIs: Eligible if valid passport, visa, and/or OCI/PIO documents are submitted.
  • Location-Based Eligibility:
    • Card issuance may be restricted in certain “No Issue Zones” based on operational factors.
    • Applicants must reside in a region where IDBI Bank offers credit card services.
  • Existing Banking Relationship:
    • Having a savings account, salary account, or fixed deposit with IDBI Bank can improve approval chances.
  • Credit Card Ownership:
    • Applicants holding more than 7–8 credit cards may face rejection due to perceived over-leveraging.
    • Maintaining a low number of active cards with good repayment history is preferred.
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Documents Required for the IDBI Bank Imperio Credit Card

  • Identity Proof
    • Aadhaar Card: Must be linked with the applicant’s mobile number for OTP verification.
    • PAN Card: Mandatory for all applicants for tax reporting and identity validation.
    • Passport: Acceptable for both residents and NRIs; must be valid and include full name and photograph.
    • Voter ID: Issued by the Election Commission of India; acceptable if valid and up to date.
    • Driving License: Must have a clear photo and current address details.
  • Address Proof
    • Utility Bills: Latest electricity, water, or gas bills not older than 3 months.
    • Rental Agreement: Registered lease agreement mentioning the applicant’s name.
    • Passport: Valid passport with current residential address.
    • Voter ID / Driving License: Address on ID must match current residence.
    • Bank Statement: Recent statement (within 3 months) reflecting address.
  • Salaried Individuals
    • Salary Slips: Last 3 months' salary slips showing employer and consistent pay.
    • Bank Statement: 3 to 6 months’ salary-credit account statement.
    • Form 16: Issued by the employer with annual salary and deductions.
    • Employment Certificate: Offer letter or HR letter validating position and salary.
  • Self-Employed Individuals
    • Income Tax Returns (ITRs): Filed ITRs for the last 2 financial years.
    • Business Financials: Profit & Loss statements and balance sheet (audited if applicable).
    • Bank Statement: 6 months’ statement from business or current account.
    • Business Registration Proof: GST certificate, trade license, or partnership deed.
  • NRIs (Non-Resident Indians)
    • Passport and Visa: Valid passport with visa or overseas work permit.
    • Overseas Address Proof: Utility bill, government-issued ID, or bank statement.
    • Indian Address Proof: NRE/NRO account bank statement or Indian utility bill.
  • Photographs
    • Two recent passport-size color photographs with a plain background.
  • Application Form
    • Duly filled and signed credit card application form (available online or at branch).
  • Fixed Deposit Holders (Optional for Secured Card)
    • FD Receipt: Copy of fixed deposit with IDBI Bank (generally ₹25,000+).
    • Linked Account Statement: Savings account statement showing FD linkage.
  • Existing Bank Customers
    • Account Statement: Statement showing relationship with IDBI (savings, FD, or loan account).
  • Submission Guidelines
    • Online Applicants: Upload scanned documents in PDF or JPEG format (max 2MB each).
    • Offline Applicants: Provide self-attested photocopies and carry originals for verification.

Factors Affecting Eligibility for IDBI Bank Imperio Credit Card

  • Credit Score and Credit History
    • A credit score of 700 or above is preferred; scores closer to 750 significantly increase approval chances.
    • Credit history from bureaus like CIBIL is examined for payment defaults, overdue loans, or high utilization.
    • Applicants with a clean repayment history and low inquiry frequency are seen as low-risk borrowers.
  • Income Stability and Debt Levels
    • Salaried individuals must show consistent salary credits; self-employed applicants should provide stable business income.
    • Higher income levels are expected due to the premium nature of the Imperio card.
    • Debt-to-Income (DTI) ratio should ideally be below 40% to indicate healthy financial standing.
  • Existing Credit Card Profile
    • Owning more than 7–8 credit cards may indicate over-dependence on credit and reduce approval chances.
    • Applicants with fewer cards and low outstanding balances have better eligibility.
  • Credit Utilization Ratio
    • Applicants using more than 30% of their total available credit may appear financially stretched.
    • Maintaining low utilization signals disciplined credit usage.
  • Geographic and Residency Factors
    • Applicants must reside in a city serviced by IDBI Bank’s credit card operations.
    • Applications from "No Issue Zones" may be rejected or flagged for additional checks.
    • Only Indian citizens and NRIs with valid documentation are eligible.
  • Existing Relationship with IDBI Bank
    • Having a savings account, fixed deposit, or loan with the bank strengthens trust and eligibility.
    • Applicants with good account activity and prior banking history may benefit from relaxed approval norms.
  • Application and Credit Behavior
    • Multiple recent hard inquiries (within 3–6 months) can lower scores and trigger rejection.
    • Timely repayments and absence of defaults are crucial for approval.
    • Spacing out credit applications helps maintain a healthy credit score.
  • Employment and Industry Type
    • Applicants employed in stable sectors (e.g., government, PSU, MNCs) are preferred.
    • Self-employed individuals in volatile or seasonal industries may need stronger documentation.
  • Lifestyle Fit
    • Spending patterns aligned with the card’s travel, rewards, or luxury features may be considered during internal profiling.
    • Applicants showing high-value transactions in travel or dining categories are more likely to benefit from the card.
  • Improvement Strategies
    • Improve your credit score by reducing debt and paying bills on time.

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

1. What is the IDBI Bank Imperio Credit Card?
The IDBI Imperio Credit Card is a premium credit card offering exclusive benefits such as reward points, travel perks, complimentary lounge access, and discounts on dining, shopping, and fuel.
2. What are the key features of the Imperio Credit Card?
Reward points on every spend, complimentary domestic and international lounge access, 1% fuel surcharge waiver, exclusive dining and entertainment discounts, and travel benefits including air accident and baggage insurance.
3. What is the annual fee for the Imperio Credit Card?
The card may carry an annual fee, often waived on achieving spending milestones (e.g., ₹1–2 lakhs annually). Please refer to the latest IDBI Bank terms for exact charges.
4. How can I redeem reward points?
Reward points can be redeemed via the IDBI Bank rewards portal for flight and hotel bookings, gift vouchers, cashback, or statement credits.
5. Does the Imperio Credit Card offer airport lounge access?
Yes, cardholders enjoy complimentary lounge access at select domestic and international airports, typically 4–6 visits per year.
6. Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is provided on fuel transactions across India, subject to monthly caps (e.g., ₹250–₹500).
7. What insurance covers are available?
The card includes air accident insurance (up to ₹1 crore), lost baggage cover, purchase protection, and fraud liability coverage.
8. What is the credit limit for this card?
Credit limit is assigned based on your income, credit profile, and existing relationship with IDBI Bank. Limits typically start from ₹1 lakh for eligible applicants.
9. How can I apply for the IDBI Imperio Credit Card?
You can apply online through the IDBI Bank website or net banking portal, or offline by visiting a branch or contacting customer care.
10. What is the interest rate & grace period?
The monthly interest rate ranges between 3%–3.5% (~36%–42% per annum). A grace period of up to 50 days is available on full repayment by the due date.

List of Federal Bank Worknomic Visa Credit Card Branches in Karnataka

  • Kolar - Bangarpet
  • Mandya - K R Pet
  • Hassan - Salagame Road
  • Chikkamagaluru - Kadur
  • Raichur - Gunj Road
  • Bidar - Basaveshwara Circle
  • Bengaluru - Hebbal
  • Bengaluru - Yeshwanthpur
  • Bengaluru - Sarjapur Road
  • Bengaluru - Bellandur
  • Bengaluru - Devanahalli
  • Mysuru - Chamrajanagar
  • Mangaluru - Derebail
  • Hubballi - Kusugal Road
  • Belagavi - Khanapur Road
  • Davangere - Shamanur Road
  • Shivamogga - J P N Road
  • Tumakuru - Sira Gate
  • Kalaburagi - Ring Road
  • Ballari - Hospet Road