IDBI Imperium Platinum Credit Card 2025
Save up to ₹5,000+ per year on shopping, fuel & easy credit against your FD!
So, if you maintain a fixed deposit and want easy credit with little to no checks, the IDBI Imperium Platinum Credit Card is a secured introductory credit card! The IDBI Imperium Platinum Credit Card offers 2 Delight points for each ₹150 on movies/shopping/travel, 85% FD with credit limit, 70% cash withdrawal, 1% fuel surcharge waiver, 500 welcome points, and ₹499 fee. This IDBI Imperium Platinum Credit Card is perfect for beginners and FD holders.
Why Is This the Best Secured Credit Card in 2025?
2 points/₹150 on key spends • 85% FD limit • 1% fuel waiver • 500 welcome points • Add-on cards • 48 days interest-free • No credit check required
Best for: FD cardholders, people building a credit history, and low-risk customers looking for secured credit
Card at a glance
₹499 + GST
₹499 + Taxes
2 Points/₹150 (1.33% value)
Up to 85% of FD
NONE
1% (maximum ₹500 per month)
Complete Fees & Charges
| Particular | Details |
|---|---|
| Membership Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Welcome Benefit | 500 Points on ₹1,500 spend in 30 days |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 2.95% per month |
| Fuel Surcharge Waiver | 1% (₹400-₹5,000 transaction) |
| Advance Limit on Cash | 70% of credit limit |
Detailed Reward Rates
- 2 Points of Delight per ₹150 on movies, shopping, travel, restaurants
- 1 point for every ₹150 spent on Utilities and fuel
- 300 bonus points for ₹1,500 spend within 31-90 days
- 1 Point = ₹0.25 Cashback value
- No points on rent, wallet, government payments
- Points expire after 3 years
Airport Lounge Access
No lounge access available with IDBI Imperium Platinum Credit Card
Insurance & Protection Benefits
- ₹25 Lakh Air Accident Cover
- Zero Lost Card Liability
- Add-on cards for family members above 18 years
Pros & Cons (The Real User Perspective)
| Advantages | Disadvantages |
|---|---|
| Secured on FD - Easy approval | No lounge access |
| 85% FD as limit + rewards | Low 1.33% reward rate |
| ₹499 processing fee | Markup up of 3.5% forex |
| 1% fuel waiver up to ₹500 | Secured—ties up FD amount |
| 500 welcome points | No international benefits |
Eligibility Criteria and Documents Required
- Age ≥ 18 years
- FD with IDBI: Minimum of ₹25,000 required
- No credit score required (Secured card)
- Documentation: FD proof, PAN, Aadhaar
How to Apply Online (5-Minute Process)
- Open FD with IDBI & apply online
- Link FD → Instant Limit approval
- Upload PAN/Aadhaar documents
- Card sent in 7 days
Conclusion—Should You Get This Card in 2025?
If you hold an FD of ₹25K+, need credit with rewards, & risk is a problem, then you can expect a benefit of ₹3,000-₹6,000 per annum with IDBI Imperium Platinum Credit Card. Great starter credit card option for secured credit. The IDBI Imperium Platinum Credit Card offers safe credit building with FD security.
Frequently Asked Questions (FAQs)
Is IDBI Imperium Platinum Credit Card secured?
Yes, secured against your IDBI FD with IDBI Imperium Platinum Credit Card.
Approval easy for IDBI Imperium Platinum Credit Card?
Yes, no credit check—FD based approval for IDBI Imperium Platinum Credit Card.
Points value on IDBI Imperium Platinum Credit Card?
₹0.25 per point value with IDBI Imperium Platinum Credit Card.
Withdrawing money limit on IDBI Imperium Platinum Credit Card?
Up to 70% of the credit limit with IDBI Imperium Platinum Credit Card.
Minimum FD required for IDBI Imperium Platinum Credit Card?
Minimum ₹25,000 FD required for IDBI Imperium Platinum Credit Card.
Affiliate Disclosure: Some of the links contained on this website are affiliate links. Should you apply through these links and qualify, we could receive a commission with no additional cost to you. Last Updated: November 21, 2025