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Features of the IDBI Bank Visa Infinite Credit Card

  • Premium Card Design and Security: The IDBI Bank Visa Infinite Credit Card is designed as a premium offering, featuring a sleek, sophisticated look that reflects its exclusivity. The card incorporates an EMV chip and PIN technology, ensuring enhanced security for transactions. This chip-based system reduces the risk of skimming and unauthorized access, making it safer for both online and offline purchases. The contactless payment feature allows cardholders to make quick, secure transactions by simply tapping the card at compatible terminals, streamlining the payment process for everyday convenience.
  • High Credit Limit: One of the standout features of the IDBI Bank Visa Infinite Credit Card is its high credit limit, tailored for high-net-worth individuals. The exact limit depends on the cardholder’s credit profile and income, but it is designed to accommodate significant spending needs, such as luxury purchases, travel expenses, or high-value transactions. Cardholders can request a temporary credit limit increase after six months of membership, subject to the bank’s approval, which is ideal for those needing flexibility for large expenditures.
  • Reward Points Program: The card offers a robust rewards program through Delight Points, which are earned on every transaction. Cardholders earn 3 Delight Points for every ₹100 spent on general categories like retail, dining, and entertainment. For travel-related expenses, such as airline tickets, hotel bookings, or IRCTC purchases, the card provides an elevated rate of 6 Delight Points per ₹100 spent. These points can be redeemed for cashback, merchandise, or travel vouchers, offering flexibility in how rewards are utilized.
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    • Complimentary Lounge Access: Travelers benefit from complimentary access to select domestic and international airport lounges. This feature enhances the travel experience by providing a comfortable space to relax, work, or enjoy refreshments before flights. The number of complimentary visits is typically capped per quarter, with specific lounges participating in the Visa Infinite program, ensuring a premium experience at major airports worldwide.
    • Contactless Payments and Global Acceptance: The card supports contactless payments, allowing swift transactions at merchants equipped with NFC-enabled terminals. It is accepted globally at millions of Visa-affiliated merchants and ATMs, making it a versatile companion for international travel or online shopping. The Verified by Visa feature adds an extra layer of security for online transactions through 3D OTP verification.
    • Add-On Cards for Family: The IDBI Bank Visa Infinite Credit Card allows cardholders to request up to two add-on cards for family members above 18 years of age. These add-on cards share the primary card’s credit limit and reward points structure but may have restricted features, such as no lounge access for add-on cardholders. This feature is ideal for families looking to manage shared expenses while earning rewards collectively.
    • Comprehensive Insurance Coverage: The card includes a robust insurance package, offering a personal accident cover of up to ₹25 lakhs and a permanent disability cover of ₹10 lakhs. Additionally, it provides air accident insurance of up to ₹1 crore, ensuring peace of mind for frequent travelers. These insurance benefits are subject to terms and conditions, such as the card being used for travel-related expenses.
    • Flexible EMI Options: Cardholders can convert large transactions (above a specified threshold, typically ₹5,000) into easy Equated Monthly Installments (EMIs) through the “PayEasy” feature. This allows for better financial planning by spreading out payments over 6 to 60 months, depending on the transaction amount and the cardholder’s preference.
    • Cash Advance Facility: The card provides access to cash withdrawals at IDBI Bank and Visa-affiliated ATMs worldwide, with a transaction fee of 2.5% (minimum ₹300). This feature is useful for emergencies but comes with interest charges on the withdrawn amount until repayment, making it a convenient yet costly option.
    • Online and Mobile Banking Integration: The card integrates seamlessly with IDBI Bank’s net banking and GO Mobile+ app, allowing cardholders to monitor transactions, check reward points, pay bills, and manage their account on the go. The app provides real-time alerts for transactions, ensuring transparency and control over spending.
    • Customizable Billing Cycle: Cardholders can choose a billing cycle that aligns with their financial planning, ensuring that payments are due at a convenient time. The minimum amount due is calculated as 5% of the billing amount (or a minimum of ₹50), with the option to revolve the remaining balance at an applicable interest rate.
    • Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to ₹250 per billing cycle on transactions between ₹400 and ₹5,000 at fuel stations across India. This feature is particularly beneficial for frequent drivers, reducing the cost of fuel purchases.
    • Zero Liability Protection: In case of a lost or stolen card, cardholders are protected by zero liability for unauthorized transactions, provided the loss is reported promptly to the bank’s customer care. This feature ensures financial security and peace of mind.
    • Exclusive Merchant Discounts: The Visa Infinite program includes exclusive discounts and offers at select merchants, including luxury retail, dining, and travel partners. These offers are periodically updated and can be accessed through the Visa Infinite website or IDBI Bank’s promotional channels.
Premier Card Benefits

Benefits of the IDBI Bank Visa Infinite Credit Card

  • Lifestyle Enhancement: The IDBI Bank Visa Infinite Credit Card is designed to elevate the cardholder’s lifestyle by offering access to premium services and rewards. Whether it’s dining at high-end restaurants, shopping at luxury stores, or traveling in style, the card’s features cater to those who value exclusivity and convenience. The high credit limit and flexible EMI options make it easier to afford big-ticket purchases without straining finances.
  • Travel Privileges: Frequent travelers benefit significantly from the card’s travel-related perks. The complimentary lounge access at domestic and international airports provides a luxurious start to any journey. Additionally, the elevated reward points on travel-related expenses, such as flights and hotel bookings, make it easier to accumulate points for future redemptions, such as free flights or hotel stays. The global acceptance of the Visa network ensures seamless transactions worldwide.
  • Financial Flexibility: The card offers unparalleled financial flexibility through its high credit limit, EMI conversion options, and cash advance facility. Cardholders can manage large expenses by converting them into affordable monthly payments or accessing cash in emergencies.
    • BOGO Movie Ticket Offer: Includes a Buy One, Get One (BOGO) offer on INOX movie tickets once per month (₹100 discount cap per ticket).
    • Dining Program: Up to 15% off at participating restaurants and hotels across India for leisure and business dining.
    • Complimentary Lounge Access: Enjoy 4 free domestic lounge visits per quarter (16 per year) and 2 free international visits annually.
    • Visa Infinite Global Deals: Unlock global privileges on hotels, flights, car rentals, and fine dining through Visa’s curated travel platform.
    • Delight Points Program: Earn points on all eligible spending categories with no expiry, allowing long-term accumulation.
    • Flexible Redemption: Redeem points for cashback, travel vouchers, or products via the IDBI rewards portal.
    • Family Points Sharing: Add-on card transactions also accumulate points for the primary cardholder.
    • Fuel Surcharge Waiver: 1% waiver on fuel spends (₹400–₹4,000 range), up to ₹250 per statement cycle.
    • Exclusive Discounts: Special offers on luxury retail, online shopping, and lifestyle categories via partner merchants.
    • Comprehensive Coverage: Personal accident, air accident, and permanent disability cover for added peace of mind.
    • Purchase and Travel Insurance: Covers trip delays, lost baggage, and card purchase protection.
    • Mobile and Net Banking Access: Manage your card easily via IDBI GO Mobile+ app or internet banking platform.
    • Instant Control: Check statements, redeem points, pay bills, and receive real-time alerts.
    • EMV Chip & Verified by Visa: Secure online and offline transactions against fraud.
    • Zero Liability: No financial loss for unauthorized transactions if reported promptly.
    • Contactless Payment: Quick, tap-and-go functionality for safer and faster checkouts.
    • Concierge Services: 24x7 personal assistance for bookings, gifts, travel, and events.
    • Priority Pass: Access to premium international airport lounges.
    • Luxury Travel & Dining: Curated lifestyle offers designed for high-net-worth individuals.
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How to Apply for IDBI Bank Visa Infinite Credit Card

  • Online Application via IDBI Bank Website:
    • Visit IDBI Bank’s official website and go to the ‘Credit Cards’ section.
    • Select the Visa Infinite Credit Card and click on ‘Apply Now.’
    • Fill out the application form with your personal, employment, and income details.
    • Upload scanned copies of all required documents (valid formats like PDF or JPEG, size below 2MB).
    • Submit the form and save the application reference number for future tracking.
    • Processing typically takes 7–14 working days, subject to verification.
  • Branch-Based Application:
    • Visit the nearest IDBI Bank branch and request the Visa Infinite Credit Card application form.
    • Fill in accurate personal, professional, and financial details.
    • Attach self-attested copies of identity, address, and income documents.
    • Submit the form to the bank executive. Originals may be required for in-person verification.
    • Get an acknowledgment slip with a reference number for status tracking.
  • Application via Customer Care Assistance:
    • Call toll-free at 1800 425 7600 or dial 022-4042 6013 (chargeable).
    • Request support for applying for the Visa Infinite Credit Card.
    • Bank representatives may guide you through the process or schedule document pickup.
  • Eligibility Criteria:
    • Age: 21–60 years for salaried; up to 65 years for self-employed individuals.
    • Income: ₹10–15 lakh annual income is typically preferred.
    • Credit Score: A score of 700 or above with a clean repayment history is desirable.
    • Residency: Indian residents and eligible NRIs can apply with proper documentation.
  • Required Documents:
    • Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
    • Address Proof: Aadhaar Card, utility bills, bank statement, or rental agreement.
    • Income Proof:
      • Salaried: Last 3 months’ salary slips, 6-month bank statement, Form 16/ITR.
      • Self-Employed: ITRs (last 2–3 years), audited financials, business registration proof.
    • Photographs: Two recent passport-size color photographs.
  • Application Review and Approval:
    • IDBI Bank verifies the applicant’s credit profile, employment status, and documentation.
    • Verification may involve a phone call or physical address confirmation.
    • Approved cards are dispatched within 5–7 working days after verification.
  • Tracking Application Status:
    • Track status using the application reference number via the IDBI Bank website.
    • Alternatively, call customer care or visit a branch for real-time updates.
  • Card Activation:
    • Activate the card using IDBI GO Mobile+ app, internet banking, or by calling customer care.
    • Set the ATM/POS PIN and enable online transactions as per user preference.
  • Support and Assistance:
    • Call 8885545255 (toll-free) or email info@logintoloans.com for any help during the application process.
    • You may also use the “Help Us Contact You” form on the website for personalized support.

Eligibility Criteria for IDBI Bank Visa Infinite Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be at least 21 years old. Salaried individuals typically up to 60 years; self-employed professionals may be eligible up to 65 years.
    • Add-On Cardholders: Must be at least 18 years old and possess a valid PAN card. Benefits like lounge access may be restricted to the primary cardholder.
  • Income and Financial Stability:
    • Salaried Individuals: Preferred income range is ₹10–15 lakh or more per annum, with employment in reputed organizations like MNCs or government firms.
    • Self-Employed Professionals: Must demonstrate strong, consistent income through ITR filings or audited financial statements.
    • Fixed Deposit Applicants: May be eligible if they place a lien on a high-value FD with IDBI Bank, even if income is below threshold.
  • Professional and Employment Status:
    • Salaried: Should have 1–2 years of employment history with the current or previous employer.
    • Self-Employed: Business or profession should be in operation for at least 3 years with proper documentation.
    • Preferred Applicants: Senior-level professionals and well-qualified individuals in stable sectors like healthcare, law, or finance.
  • Residency and Nationality:
    • Indian Residents: Must have valid residence proof in India and a clean financial track record.
    • NRIs: May apply with valid passport, visa, and proof of overseas address. Must also maintain an NRE/NRO account in India.
  • Credit Profile:
    • Credit Score: A CIBIL/Experian score of 700–750+ is typically required for approval.
    • Financial Discipline: Must not have recent defaults, high utilization, or excessive hard inquiries.
    • Existing Card Holders: Applicants with 7–8+ credit cards may be viewed as over-leveraged and may face stricter scrutiny.
  • Banking Relationship:
    • Existing IDBI customers with a savings account, loan, or FD may have higher approval chances.
    • Demonstrated transaction history and financial discipline with IDBI are advantageous.
  • Spending and Lifestyle Fit:
    • The card is intended for individuals with high travel, luxury, and lifestyle expenditures.
    • Applicants with past high-value transactions in these categories may be prioritized.
  • KYC Compliance:
    • Mandatory submission of PAN, Aadhaar, and additional documents for verification.
    • NRIs must provide passport, visa, and Indian account proof as part of extended KYC norms.
  • Loan/Credit History:
    • Applicants should not have recent missed EMIs or loan defaults.
    • Steady repayment history improves approval odds significantly.
  • Additional Discretionary Factors:
    • Approval is subject to internal bank policies and may vary based on macroeconomic and regulatory changes.
    • Bank reserves the right to approve/decline even if eligibility criteria appear to be met.
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Documents Required for IDBI Bank Visa Infinite Credit Card

  • Identity Proof
    • Aadhaar Card: Should be linked to a mobile number for e-verification and identity confirmation.
    • PAN Card: Mandatory for tax compliance and financial verification.
    • Passport: Especially relevant for NRIs or applicants with international spending needs.
    • Voter ID: Accepted for proof of identity and address if updated.
    • Driving License: Valid and clearly displays the applicant’s photograph and name.
  • Address Proof
    • Utility Bills: Electricity, gas, or water bills from the past 3 months with applicant’s name and address.
    • Rental Agreement: Registered agreement accepted for tenants as residential proof.
    • Bank Statement: Must show current address and be issued within the last 3 months.
    • Passport: May serve dual purpose if address is up-to-date.
    • Driving License or Voter ID: Accepted if the current residential address is printed.
  • Salaried Individuals
    • Salary Slips: Last 3 months reflecting consistent income.
    • Bank Statements: 6 months of salary credit bank statements.
    • Form 16 or ITR: From the last 2 years to validate income for high credit limit eligibility.
    • Employment Letter: From employer confirming job tenure and salary (if requested).
  • Self-Employed Individuals
    • ITR Filings: For the past 2–3 years showing taxable income.
    • Audited Financials: Balance sheets and P&L statements certified by a CA.
    • Bank Statements: 6–12 months from business or current account showing stable income.
    • Business Registration: GST certificate, shop license, or business PAN card as applicable.
  • Additional Documents for NRIs
    • Passport and Visa: Must be valid and show nationality/residency status.
    • Overseas Address Proof: Utility bill, rental agreement, or bank statement from foreign address.
    • NRE/NRO Account Details: Proof of active accounts in India (with IDBI Bank or others).
    • Power of Attorney: Required if a representative in India is authorized to manage the card.
  • Secured Card Applicants
    • Fixed Deposit Receipt: FD with IDBI Bank, generally ₹25,000 or more, lien-marked.
    • Lien Consent Form: To authorize the bank to hold the FD against the credit card.
  • Photographs and Application Form
    • 2–4 recent passport-size photos with a plain background.
    • Completed application form with correct personal and financial details.
  • Verification Process
    • Submit self-attested copies along with originals for in-person verification.
    • Online applicants must upload scanned documents via IDBI portal, followed by physical verification if necessary.

Factors Affecting Eligibility for IDBI Bank Visa Infinite Credit Card

  • Credit Score and Financial History
    • IDBI Bank typically prefers a CIBIL score of 700–750 or above, reflecting strong creditworthiness.
    • Timely repayment history, low credit utilization, and minimal hard enquiries improve chances.
    • Defaults, frequent late payments, or high credit card balances can negatively impact eligibility.
  • Income Stability and Source
    • Salaried individuals should have stable employment with reputed organizations and a high monthly income.
    • Self-employed applicants must demonstrate consistent business income backed by financial documentation.
    • Unstable income sources or frequent job changes may lead to rejection.
  • Debt-to-Income Ratio
    • An ideal DTI ratio is below 40%, showing manageable existing debt levels.
    • Applicants with multiple loans or high credit card dues may be seen as over-leveraged.
    • Reducing debt improves both DTI and approval probability.
  • Banking Relationship with IDBI
    • Existing customers with savings accounts, FDs, or loan products have a better chance of approval.
    • Applicants can secure the card against fixed deposits if income is below the required threshold.
    • Positive transaction history and long-term engagement are seen favorably.
  • Number of Existing Credit Cards
    • Having 7–8 or more credit cards may raise red flags regarding over-utilization.
    • Applicants must demonstrate responsible usage with low balances and on-time payments.
    • Maintaining only necessary cards helps improve creditworthiness perception.
  • Employment and Business Profile
    • Salaried applicants should have at least 1–2 years at their current job for stability.
    • Self-employed individuals must show business longevity and profitability through proper documentation.
    • Applicants in reputed firms or high-income professions are generally prioritized.
  • Application Accuracy and Completeness
    • Incomplete or inaccurate details in forms or documents can lead to rejections or processing delays.
    • Ensure correct KYC, income, and address details; self-attestation is recommended.
    • Use updated proof of identity and income to avoid verification issues.
  • External Economic and Policy Factors
    • Economic slowdowns may result in stricter approval guidelines by IDBI Bank.
    • Regulatory changes by the RBI or Visa may influence eligibility or documentation standards.
    • Stay updated on policy revisions that may affect application timelines.
  • Lifestyle and Spending Patterns
    • This premium card is designed for high-spenders in travel, dining, or luxury categories.
    • Applicants whose transactions align with the card’s features are more likely to be approved.
    • Demonstrating usage potential can support eligibility even if other factors are borderline.

Frequently Asked Questions (FAQs) – IDBI Visa Infinite Credit Card

1. What are the key features of the IDBI Visa Infinite Credit Card?
Premium travel and lifestyle benefits including complimentary airport lounge access, reward points on spends, golf privileges, concierge services, and a high credit limit.
2. What is the joining/annual fee for this card?
The card may have a high annual fee (subject to bank policy). In some cases, this fee may be waived if specific annual spending thresholds are met.
3. Does the IDBI Visa Infinite Card offer airport lounge access?
Yes, the card typically offers complimentary lounge access at both domestic and international airports, limited to a specific number of visits per year.
4. What are the reward points redemption options?
Reward points can be redeemed for a wide range of options including flight and hotel bookings, merchandise, or cashback through IDBI Bank’s rewards catalog.
5. Is there a fuel surcharge waiver?
Yes, some premium variants offer a 1% fuel surcharge waiver on eligible fuel transactions, subject to monthly caps and transaction limits.
6. Does this card provide travel insurance?
Yes, the card usually includes complimentary travel insurance such as air accident cover, lost baggage coverage, and other travel inconvenience benefits.
7. What are the eligibility criteria for this card?
The card is generally offered to high-income individuals (salaried or self-employed) with a strong credit profile (CIBIL score of 750+). Existing IDBI customers may receive preferential approval.
8. Are there any golf benefits?
Yes, certain premium variants of the IDBI Visa Infinite Credit Card offer complimentary golf rounds or discounted access at select golf courses.
9. How can I apply for the IDBI Visa Infinite Card?
Applications can be submitted online through the IDBI Bank website, offline by visiting a branch, or through authorized agents if available.
10. What is the credit limit on this card?
As a premium offering, the card provides a high credit limit which varies based on the applicant’s income, credit score, and banking history with IDBI Bank.

List of IDBI Bank Visa Infinite Credit Card Branches in Andhra Pradesh

  • Visakhapatnam - Gajuwaka
  • Visakhapatnam - Dwaraka Nagar
  • Anakapalle - Main Road
  • Vizianagaram - Ring Road
  • Vizianagaram - M G Road
  • Andhra Pradesh - Bobbili
  • Eluru - G N T Road
  • Eluru - R R Pet
  • Bhimavaram - J P Road
  • Andhra Pradesh - Tanuku
  • Tadepalligudem - K N Road
  • Anantapur - R P Circle
  • Chittoor - Vellore Road
  • Kadapa - Christian Lane
  • Kakinada - Bhanugudi
  • Rajahmundry - Kotipalli Street
  • Guntur - Arundelpet
  • Vijayawada - Benz Circle
  • Kurnool - Bellary Road
  • Nellore - Subedarpet