IDBI Bank Aspire Platinum Credit Card
Best for no-fee everyday card. 2 Delight Points per Rs 150; milestones 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh
Terms as of 2026-09-27 · Checked 30 September 2026IDBI Bank Aspire Platinum Credit Card at a glance
Who it suits: No-fee everyday card
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 Delight Points per Rs 150; milestones 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh |
| Welcome benefit | 500 DP on activation + 500 DP on first txn of Rs 1,500+ in 30 days |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% on Rs 400-4,000, max Rs 300/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 (65 for self-employed); add-on 18+; Imperium 18+ against FD |
| Credit score | 750+ improves approval chances |
Similar cards
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|---|---|---|---|---|
| Scapia Federal Bank | Federal Bank | Free / Free | 2.00% base value | Travellers wanting zero forex and lifetime-free |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| HDFC Bank Millennia | HDFC Bank | ₹1,000 / ₹1,000 | 1.00% base value | Online shoppers who use the partner brands |
Frequently asked questions
What is the annual fee of the IDBI Bank Aspire Platinum Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
2 Delight Points per Rs 150; milestones 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the IDBI Bank Aspire Platinum Credit Card good for me?
Best for: No-fee everyday card. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.idbi.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IDBI Bank’s website before applying. FinancePortal is not affiliated with the issuer.