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IDBI Bank Aspire Platinum Credit Card
IDBI Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 26 Sept 2026
Reward Program
Delight Points1 point = ₹0.25
Redemption fee: 0
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Managed via IDBI Delight
Transfer partners
1 Delight Point = ₹0.25, published in IDBI's Imperium Credit Card FAQ.Redemption is free — IDBI's MITC states the reward redemption fee is nil for all card variants.Delight Points CANNOT be redeemed after card closure, irrespective of the balance held.
Live Offers
45 activeMakeMyTrip10% off up to ₹3,750 on International Flights on MakeMyTrip (min ATV ₹15,000)
10% off
IDBIINTCCMakeMyTrip20% off up to ₹3,750 on International Hotels on MakeMyTrip (min ATV ₹11,250)
20% off
IDBIINTCCReliance Digital5% Instant Discount up to ₹3,500 at Reliance Digital (min purchase ₹10,000)
5% off
MakeMyTrip20% off up to ₹3,000 on Domestic Hotels on MakeMyTrip (min ATV ₹8,000)
20% off
IDBICCAdani OneFlat 25% off up to ₹2,500 on International Hotels on Adani One (MOV ₹7,500)
25% off
IDBISUITEBenefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹300 per month. IDBI sets both the transaction ceiling and the monthly cap per variant, from ₹300 a month on Aspire and LIC Lumine to ₹500 on Royale Signature, Euphoria World and LIC Eclat.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.5% |
| Interest Rate | 34.8% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
