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IDBI Bank Imperium Platinum

Honest review — No affiliate bias — Updated May 2026
CreditIQ Score
8.2
out of 10
Rs. 500
Annual Fee
Rs. 500
Joining Fee
Visa/Mastercard
Network
entry-level
Category

CreditIQ Verdict

The IDBI Bank Imperium Platinum is a entry-level credit card from IDBI with an annual fee of Rs.500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on entry-level categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 500 + GST
Joining FeeRs. 500 + GST
Interest Rate45% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...
+ Spend on entry-level regularly
+ Spend Rs.2,000+ per month
+ Have a good credit score (750+)
+ Meet the bank income criteria
Skip if you...
- Travel internationally often (high forex markup)
- Carry a balance month-to-month
- Are a first-time credit card user
- Already have a similar card

Frequently Asked Questions

What is the annual fee of IDBI Bank Imperium Platinum?
The annual fee is Rs.500 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on IDBI Bank Imperium Platinum?
IDBI Bank Imperium Platinum offers 0.5. Check the benefits section above for category-specific accelerators.
How to apply for IDBI Bank Imperium Platinum?
You can apply online through IDBI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.
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Quick facts
Annual feeRs.500
NetworkVisa/Mastercard
BankIDBI
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