By Shubham Sharma
Updated On September 6, 2021

IDBI Aspire Platinum Bank credit card is a card launched by IDBI Bank that provides you with exclusive lifestyle benefits and privileges on your spendings. You get 2 Delight points on every Rs 150 spent on shopping, dining, traveling. In addition to this, you get 500 delight points on spending Rs 1500 or above in the first 30 days of issuance of the card. Furthermore, you also get 300 delight points on the spending of Rs 1500 or above in 31 to 90 days of the issuance of the card. You also get additional benefits associated with credit cards such as a fuel surcharge waiver, zero protection liability, and EMI facility. Read below to know more in detail about this credit card.

Best Suited For

Travel | Dining | Shopping |

Joining Fee

Nil

Reward Type

Reward Points |

Product Details

N/A

Rewards and Benefits

Welcome Benefits

500 delight points on spending Rs 1500 or above in the first 30 days of issuance of the card and  300 delight points on the spending of Rs 1500 or above in 31 to 90 days of the issuance of the card.

Movie & Dining

NA

Rewards Rate

2 Delight points for every Rs 150 spent on shopping, dining, traveling

Reward Redemption

The delight points can be redeemed for a wide array of gifts vouchers providing you with lifestyle benefits. The points accumulated can be redeemed for cashback

Travel

NA

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

You get a zero liability protection cover in case of loss of the card or any fraudulent transactions reported within the stipulated time period.

Fees & Charges

Joining Fee

Nil

Renewal Fee

Nil

Spend based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on the conversion amount

Interest Rates

2.9% per month (34.8% per annum)

Fuel Surcharge

1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000

Cash Advance Charge

2.5% on the withdrawal amount subject to minimum of Rs 500

Add-on Card Fee

Nil

IDBI Aspire Platinum Credit Card Rewards

With this card, you get 2 Delight points for every Rs 150 spent on shopping, dining, traveling. The delight points can be redeemed for a wide array of gifts vouchers providing you with lifestyle benefits. The points accumulated can be redeemed for cashback. You do not get charged with any redemption fee on reward redemption.

Welcome Benefit

As a welcome benefit, you get 500 Delight points on using your credit card for transactions worth Rs 1500 or above within 30 days of issuance of the card. Moreover, you get 300 Delight points on using your credit card for transactions worth Rs 1500 or above within 31 to 90 days of the issuance of the card.

Fuel Surcharge Waiver

You get a 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000. You get a maximum surcharge waiver of Rs 300 per statement cycle.

Instant EMI Facility

Get access to an instant loan from your IDBI Aspire Platinum Bank credit card by converting it into an EMI. Transaction up to Rs 3000/-  can be converted into an EMI. You can earn reward points transactions converted into an EMI. The amount converted can be paid over in 3,6,9 or 12 months.

Eligibility Criteria

  • Applicant should be of 21 years to 60 years in case of a salaried employee
  • Applicant should be of 21 years to 65 years in case of self-employed.
  • The applicant should be a resident of India
  • Add-on cardholders should be of an age of 18 years.

What is the Documentation Required?

You need to provide the aforementioned documents while applying for this IDBI Aspire Platinum credit card.

Proof of Identity-:  Passport/ Driving License/Voter ID/ Adhaar Card/ PAN card

Proof of Residence-: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card

Proof of Income Proof-: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16.

Conclusion

IDBI Aspire Platinum Bank credit card is an entry-level card that gets you exciting rewards on spending on dining, shopping, and traveling. Along with this card, you get 2 reward points for every Rs 150 spent using IDBI Aspire Platinum Bank credit card. This card does not charge any joining or renewal fee from the customers. If you are a beginner with no experience of using a credit card in life. In that case, this card might prove to be a decent outlet for you. What do you think about this credit card? Do let us know in the comments below.

FAQs:

You do not get charged with any joining fee on this credit card

The minimum eligibility criteria for age for the add-on-cardholder for this credit card is 18 years

You get a maximum waiver of Rs 300 per statement cycle using IDBI Aspire Platinum credit card

You get charged 3.5% on the conversion amount

You get charged with an interest rate 13% per annum with this credit card.

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