IDBI Bank Credit Card – Different Types, Eligibility, Apply Online, Login, Status, PIN Generates, Statement, Offers, Mobile App

IDBI Bank Credit Card

IDBI or Industrial Development Bank of India is having it’s headquarter in Mumbai. IDBI was established in 1964 and its parent organization is Life Insurance Corporation of India. IDBI is known for supporting many well known companies such as SIDBI, NSDL, NSE, etc.

IDBI Bank offers credit card having many features helpful in saving money during purchase as well as making ease of taking loan and repayment. IDBI credit card have many feature focused to business community as well as common customers.

IDBI Bank has several branches in different cities of India. Bank has branches at various cities of India as well as outside India.  The application process for a new credit card, online operation of credit card etc. are quite simple. IDBI bank has provided easy online process to perform these processes.

Our research team has composed all the special necessary information related to IDBI credit card and presented it for the people who want to know the details.

Choose your IDBI Credit Card

IDBI offers various Credit Cards to address the different category of customers. Royal Signature, Euphoria World, Aspire Platinum, Imperium Platinum, Winnings, etc. are a few popular credit card of IDBI Bank. These cards are focused to categories as per customers convenient i.e. Cash back, Rewards, High value, Low fees and Commercials.

Royal Signature Credit Card

Royal Signature credit card has no charges; it is available free to the customer of IDBI bank. Royal Signature provides all the luxury of life at high returning of money.

• 7500 Delight points as welcome gesture- Royal Signature customers are eligible for 750 delight points as welcome gift. The condition to get these point is very simple one has to spend at least INR 1500 within 30 days of card issuance.
• 3 delight points @INR 100 – For every purchase equal to INR 100 by Royal Signature credit card yield 3 delight points.   
• 48 days interest free credits – The length of paying the bills is good enough of 48 days. Thus, this long period for payment of bills is helpful to the customers of Royal Signature credit card.
• 1 % Oil surcharge waiver- Royal Signature credit card holders are entitled for yearly oil surcharge waiver of INR 6000 per annum or INR 500 per month, Royal Signature credit card is allowed in the entire oil outlet and allow 1% waiver in oil surcharge.
• INR 25 Lakhs life coverage – Royal Signature credit card owners have privilege of air travel accident coverage of INR 25 Lakhs, whether on business trip or a leisure trip.
• Free Lounge Access – Complimentary air port lounge facility is available to all the customers of Royal Signature credit card. Almost all the major airport lounges are open to the customers of the credit card.
• Wider Acceptance – Royal Signature credit card is accepted in around 9 Lakh merchants in India and 29 million merchants worldwide. Hence, there is wide opportunity to utilize this credit card for different essential purchase.
• Fraudulent transaction coverage- If there is any fraudulent transaction by Royal Signature credit card, it is covered by IDBI Bank, and customer should inform the bank as well as local police station about the details of fraud.
• No charges for the lost card- IDBI Bank do not charge for a lost credit card, second card will be issued to you without cost.
• Family card – Add-on card facility is available with the Royal Signature credit card for the family members having at least 18 years of age. All the first card benefits are available with add-on card also. Delight points earned through add on card will be compounded with the first card to deliver better high benefits.
• Eligibility – Indian resident having age 21-60 years are eligible for the Royal Signature credit card. For self employed people the maximum age limit is 65 years.
• Fees and charges – Royal Signature credit card is available free of cost. No charges.

Euphoria World Credit Card

Euphoria World credit card is focused to provide the lavish facility at International level. Customers can enjoy benefits on International tour and leisure. Hotels, tour packages, etc. are awesome. Tourism lovers have a lot to save through this credit card. 4000 Delight points as welcome gesture and high delight points in every purchase are initially interesting to note about this credit card, however, there are many more as listed below-

• 4000 Delight points as welcome gesture- Euphoria World credit card holders are eligible for 4000 delight points as welcome gift. Customer has to spend INR 1500 within 60 days of the start of the credit card.
• 6 delight points – high 6 delight points are credited in customers’ accounts on each spend of INR 100 by Euphoria World credit card.    
• Interest free credits – Bill payment is allowed interest free up to 48 days of purchase. This extended period for payment of bills is supportive to the customers of Euphoria World credit card.
• Oil surcharge waiver- Euphoria World credit card provides saving in the purchase of fuel @ INR 500 per month. This is allowed on all purchase between INR 400 to INR 5000. Thus yearly oil surcharge waiver of INR 6000 per annum is available to the customers of Euphoria World credit card.
• Air travel life coverage – Euphoria World credit card offers a privilege of air travel accident coverage of INR 25 Lakhs. This is available irrespective of business trip or a leisure trip.
• Enjoy Complimentary Lounge Access – Domestic and International Air port allows free air port lounge facility to all the customers of Euphoria World credit card. The detail list of air port is available on the web site of the credit card.
• Worldwide Acceptance of the credit card – More than 29 million merchants worldwide including 9 Lakhs (Approx.) merchants from India accepts Euphoria World credit card. There is broad prospect to make use of the credit card for different necessary procurement.
• Fake transaction coverage- Euphoria World credit card provides coverage of any fraudulent transaction. Customer has to report to the bank as well as local police station about the detail information of fraud.
• Free card for the lost card- If there is loss or misplacement of credit card, then IDBI Bank provides new credit card at no cost. Request to cancel the old one and issue a new credit card can be done online.
• Unlimited offers – There is 200 discount offers in shopping, 114 offers in entertainment and 38 offers in sports. All the facility available for a master card is available for the card holder of Euphoria World credit card.
• 22% discount on Beauty Expert product – Beauty Expert is a famous brand having many products related to skin and beauty care. These are having high discount of 22 %.
• 26 % off on My Protein product- My protein is a world renowned brand having beauty care products. 26 % discount is available on the products of Protein Product.
• 25 % off on jeweler – Confluence dot com have many attractive crafted jeweler products available at high discount of 25 %.   
• Add –on card – Euphoria World credit card offers free add-on card facility to the family members having at least 18 years of age. Add on card is having all the facility equal to the first card. Delight points earned through add on card will be compounded with the first card to deliver better high benefits.
• Age requirement – Euphoria World credit card is available to the entire Indian resident having age 21-60 years. For self employed people the maximum age limit is little more i.e. 65 years.
• Fees and charges – Euphoria World credit card comes at an entry fee of INR 3999/- However, fee is returnable if the annual use of the credit card is equal to an amount of INR 4 Lakhs.

Aspire Platinum Card 

Aspire Platinum Card is a low fee credit card have high facility of reward points and many other discount in fuel, etc. High reward points are available in League Platinum card. There is 8X reward points are available in this card. Railway surcharge waiver, Oil surcharge waiver etc. are other few benefits available with the card.

• Welcome delight points- 400 delight points are available as welcome gift to the new Aspire Platinum Card holders. Condition for getting this 400 delight point is very simple i.e. to spend INR 1500 within 30 days of the date of issue of the credit card.
• Delight points on purchase – high 6 delight points are credited in customer accounts on each spend of INR 100 by Euphoria World credit card.    
• Interest free credits – Bill payment is allowed interest free up to 48 days of purchase. This extended period for payment of bills is supportive to the customers of Euphoria World credit card.
• Oil surcharge waiver- Euphoria World credit card provides saving in the purchase of fuel @ INR 500 per month. This is allowed on all purchase between INR 400 to INR 5000. Thus yearly oil surcharge waiver of INR 6000 per annum is available to the customers of Euphoria World credit card.
• Air travel life coverage – Euphoria World credit card offers a privilege of air travel accident coverage of INR 25 Lakhs. This is available irrespective of business trip or a leisure trip.
• Enjoy Complimentary Lounge Access – Domestic and International Air port allows free air port lounge facility to all the customers of Euphoria World credit card. The detail list of air port is available on the web site of the credit card.
• Worldwide Acceptance of the credit card – More than 29 million merchants worldwide including 9 Lakhs (Approx.) merchants from India accepts Euphoria World credit card. There is broad prospect to make use of the credit card for different necessary procurement.
• Fake transaction coverage- Euphoria World credit card provides coverage of any fraudulent transaction. Customer has to report to the bank as well as local police station about the detail information of fraud.
• Free card for the lost card- If there is loss or misplacement of credit card, then IDBI Bank provides new credit card at no cost. Request to cancel the old one and issue a new credit card can be done online.
• Unlimited offers – There is 200 discount offers in shopping, 114 offers in entertainment and 38 offers in sports. All the facility available for a master card is available for the card holder of Euphoria World credit card.
•  22% discount on Beauty Expert product – Beauty Expert is a famous brand having many products related to skin and beauty care. These are having high discount of 22 %.
• 26 % off on My Protein product- My protein is a world renowned brand having beauty care products. 26 % discount is available on the products of Protein Product.
• 25 % off on jeweler – Confluence dot com have many attractive crafted jeweler products available at high discount of 25 %.  
• Add –on card – Euphoria World credit card offers free add-on card facility to the family members having at least 18 years of age. Add on card is having all the facility equal to the first card. Delight points earned through add on card will be compounded with the first card to deliver better high benefits.
• Age requirement – Euphoria World credit card is available to the entire Indian resident having age 21-60 years. For self employed people the maximum age limit is little more i.e. 65 years.
• Fees and charges – Euphoria World credit card comes at an entry fee of INR 3999/- However, fee is returnable if the annual use of the credit card is equal to an amount of INR 4 Lakhs.

Imperium Platinum Credit Card

Imperium Platinum Credit Card is known as a secured credit card for customers as it is issued based on your fixed deposit in the IDBI Bank. You can raise the credit limit by increasing the amount of Fixed deposit (FD) in bank.

• Credit limit – You can raise the value of FD in bank to raise the credit limit of your Imperium Platinum Credit Card. 85 % of the amount of fixed deposit (s) will be the credit limit of the card.
• High cash withdraw limit – You can withdraw the cash equal to the 75 % of the credit limit. This facility is highly helpful in emergency or for business purpose.
• 500 delight points as the entry benefit- 500 delight points are credit to the new card holders available as greeting gift of possession of the Imperium Platinum Credit Card. Clause for receiving this 500 delight point is extremely easy, you have to do purchasing of INR 1500 within 30 days of the date of permission of the credit card.
• Earn on purchase – 2 delight points are allowed on every purchase of INR 150 by Imperium Platinum Credit Card.    
• A Bill payment high relaxation time- Free bill payment day to the customer of Imporium Platinum Credit Card is 48 days. This extended period for payment of bills is supportive to the customers of Imperium Platinum Credit Card.
• Oil surcharge waiver- Imperium Platinum Credit Card make available 1% oil surcharge saving in the purchase of fuel. One can save INR 500 per month. Surcharge relaxation is allowed on all purchase between INR 400 to INR 5000. Therefore, yearly oil surcharge waiver of INR 6000 per annum is available.
• 29 Million Merchants recognize the credit card – More than 29 million merchants worldwide including 9 Lakhs (Approx.) merchants from India recognize Imperium Platinum Credit Card. Hence, there is wide-ranging prospect to exploit the credit card for dissimilar essential procurement.
• Forged transaction coverage- Imperium Platinum Credit Card present coverage of any deceptive transaction. Customer has to report to the bank through 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free) numbers. It is advisable to inform the local police station about the detail information of fraud.
• Free card for the lost card- If there is loss or misplacement of credit card, then IDBI Bank provides new credit card at no cost. Request to cancel the old one and issue a new credit card can be done online.
• Awesome offers from Big Brands – Imperium Platinum Credit Card customers have opportunity to grab fabulous offers from big brands such as India Today, Business today, cure dot fit, Samsung, etc.
• Uncountable offers – There is approximately 175 companies offers in shopping, entertainment and sports. All the facility available for a Visa card is available for the card holder of Imperium Platinum Credit Card.
• 20% discount by DHL – DHL provides 20 % discount on Domestic and International courier. DHL also offers 40 % discount on excess baggage weight to the customers of Imperium Platinum Credit Card.
• 60 % off by Topper classes- Topper Classes is a big brand for Medical or Engineering Entrance competition.  A high discount of 60 % in the courses offered by Topper Classes is available to the people having Imperium Platinum Credit Card.
• Pantaloons offer – Flat INR 1000 off on the products of pantaloon.  You can enjoy the heavy discount on purchasing of cloths made by big name pantaloon.
• 50 % off by Hangama play- You can avail high discount of 50 % on the products of Hangama play.
• 25 % off on jeweler – Confluence dot com have many attractive crafted jeweler products available at high discount of 25 %.  
• Additional add –on card for family member- Imperium Platinum Credit Card offers free add-on card to the family members. At least 18 years of age is the only requirement of the family member.
• Add on card provide all the facility equal to the first card. Delight points earned through add on card will be added with the first card. Enjoy high benefits of two cards together.
• Age prerequisite – Imperium Platinum Credit Card is accessible to any Indian resident having age 21-60 years. For self employed people the maximum age limit is little more i.e. 65 years.
• Fees and charges – Imperium Platinum Credit Card come up to at an entry fee of INR 499/- However, fee is returnable if the annual use of the credit card is equal to an amount of INR 0.75 Lakh.

IDBI Credit Card Eligibility

Various credit card offered by IDBI require the similar mandatory documents but each individual credit card has its different income group criterion. However, IDBI Bank requires a proof of regular income but not the minimum limit of income. Various credit cards have different entry and renewable fee also. Imperium Platinum Credit Card has entry fee of INR 499/- while the Euphoria World credit card has membership of INR 3999/-

• IDBI Bank does not require a minimum limit of income; but a proof of regular income is required to produce.
• IDBI Bank allows the customer to open a credit card against a fixed deposit in the bank.
• The age of requirement of applicant is between 21 to 65 years.
• Salaried or self employed personnel both are entitled for IDBI Credit card.
• The relaxation period or interest free period to reimburse the credit card bill is 48 days.
• IDBI Bank allows the customer for ATM cash withdrawal, charge in ATM withdrawal is 2.5% or INR 300/- whichever is less.
• The aspirant should be resident of India or non resident of India.
• Applicant has to produce- Identity Proof, Income proof and Proof of home address. Aadhar card or any Government identity is acceptable for identity proof. Two years IT returns and last three months salary slip is the requirement.
• Good credit history – Applicant should have good credit history, CIBIL point of 550 out of 1000 is a safe credibility.

Free IDBI Credit Card

Royal Signature Credit Card is the free credit card available through IDBI Bank. It is much more popular, as it has many attractive features related to high delight points, oil surcharge relaxation, coverage of life and fraudulent transaction, etc.

Royal Signature credit card is available free of cost i.e. neither entry charge nor renewable charge. Royal Signature provides all the luxury of life at high returning of money.

Royal Signature customers are eligible for 750 delight points as welcome gift. The condition to get these point is very simple one has to spend at least INR 1500 within 30 days of card issuance.

Customers of Royal Signature credit card holders are entitled for yearly oil surcharge waiver of INR 6000 per annum or INR 500 per month, Royal Signature credit card is allowed in the entire oil outlet and allow 1% waiver in oil surcharge.

Royal Signature credit card owners have privilege of air travel accident coverage of INR 25 Lakhs, whether on business trip or a leisure trip.

If there is any fraudulent transaction by Royal Signature credit card, it is covered by IDBI Bank, and customer should inform the bank as well as local police station about the details of fraud.

IDBI Credit Card Apply Minimum Salary

IDBI offers credit card, in fact free from minimum income barrier. Of course, Bank demands a proof for a regular income. IDBI Bank allows the customers to have a credit card in lieu of a Fixed Deposit also. Hence all category of income group people can have a

The applicant has to show a regular earning, that is the only condition, and However, Bank accepts the application for a credit card against fixed deposit also.

Apply For IDBI Credit Card

IDBI Bank provides a composite online system having all the different kind of application such as for loans, opening an account as well as opening a new credit card.

Under above mentioned system applicant has to provide details such as name, mobile number, e- mail ID, nearest IDBI bank details, etc. and has to submit online.

Based on your provided contact number bank executive will contact you and complete the formalities such as collection of documents and the essential undertaking related to credit card.

 Before moving on application section, you must check you are fulfilling age and residence eligibility. You are advised to check your SIBIL report also.

Followings steps are helpful to apply for an IDBI credit card.

• Click the option “Apply now” reflecting there below the emblem of your selected credit card. You can get this in the link: https://www.idbibank.in/credit-card.asp
• When you click the apply now button then will drove you to a page asking to click on “Help Us Contact You”

• “Help Us Contact You” button will open a page asking for your details such as name, contact number, e-mails ID, your favorite time for contact, etc.
• Once you will finally submit the requisite information, a bank executive will contact you shortly and fixed a time and finish the formalities related to form fill up and collection of documents, photograph etc.
• However, you may visit the nearest branch of IDBI Bank and there you can complete the formalities and submit the credit card application form.

IDBI Credit Card Status

There are many way one can use to know the status of the applied credit card. At the time of submission of application, IDBI bank acknowledges the successful submission of the application and provides an application reference number.

It is good to ask about the status of application, because sometime due to want of a few documents your application remains lying there in office for many weeks.

• Status on line – You can visit the web site of IDBI bank, then select the credit card option, there under the section “Help Us Contact You”, you can provide the details of the reference number and you can request for the status of the credit card application. You will get the reply in your e-mail as well as the mobile phone through SMS.
• Status by SMS or customer care – You can know the status of the application by giving a call in numbers- 1800-425-7600 (Toll Free call Number), Please keep ready the reference number related to the applied Credit card application.
• By visiting the nearest Bank Branch   – You can know the status of the application of a credit card by visiting the nearest IDBI Bank branch. They will ask your mobile number, email ID and the bank communicated reference number.

IDBI Credit Card Login

IDBI credit card login method for a new card holder is simple and involves yours a few minutes only. Since you are a new card holder, thus first you have to do the Register now option for generation of ID and password  process after that you can always log in your credit card account without any hassle.

• For credit card log in, IDBI Bank has provided a special web page- https://idbicreditcards.co.in/Login.aspx
• First you have to click on the ‘Register Now’ option. You have to provide the card number, expiry date, your registered mobile number and E- mail ID. Once you will submit, OTP will be send to your mobile number. You can set the ID and passwords by the help of forget ID or forget password option, once registration of card is over.

• Forget the ID or forget the password option, require the verification of registered mobile, once the OTP comes in your mobile you can set the ID or password.
• Once the password and ID is known, now your credit card is all set for online login and now you have better control over your card transections. 

IDBI Credit Card PIN Generate and Reset

IDBI Bank card PIN generation can be done by adopting various methods. One can generate or re- set it by online banking, by SMS, by ATM or by visiting the branch. This process is known as Green PIN generation process in IDBI terminology.

• Through IVM or customer care – You can contact the customer care number by dialing 1800-425-7600.
• IVM machine will give you many options to choose, you have to choose 1 to continue the process in Hindi or you can select any other language. Then again, you will be given various option, you have to select credit cards by pushing number 3.
• Then you have to select existing IDBI cardholder by again pressing 1. Then you have to authenticate your card number. Then lastly you will get the option to generate a new pin or to change the existing one by dialing a number 4.
• By Using internet banking – You can set the PIN or generate a new pin by visiting online internet banking under change of PIN section.
• BY SMS – PIN generation can be done through SMS. You have to send SMS by writing Green Pin< space> last six digit of the card number to 982-0346-920.

IDBI Credit Card Statement

IDBI Bank provides facility to down load the credit card statement through internet banking. However, every month cycle bills is also been sent by bank in your registered mobile.

• Net Banking-  If you are an account holder of IDBI bank, then credit card will reflect in your online banking portal. You have to go to net banking facility. There after login, select the credit card section, choose your credit card. Provide the particular range of date and download the statement.
• If you are not an already an account holder of IDBI bank, then once you have to register your credit card. The process of registration is given in details in Credit card registration section in this blog. Latter on the same process mentioned in above column has to be adopted. 
• By E –mail – Every month cycle bill has been regularly sent by bank to your registered E-mail.  You can pay the full amount of bill or the minimum amount mentioned in the bill.  

IDBI EMI Calculator

IDBI emi calculator is required when we convert our big purchase into EMI or we take loan against our credit card. IDBI bank provide an exclusive calculator to calculate the emi. You have to provide the amount taken as loan, rate of interest and the duration of emi.

You can reach the IDBI emi calculator by exploring the web link- https://www.myloancare.in/home-loan-emi-calculator/idbi-bank

IDBI Credit Card Payment

IDBI Card net – Bill desk is the instant online solution exclusively for credit card bill deposit.  IDBI bank Bill desk is simple three stage process require no ID or password.

• You have to enter the card number, mobile number, email ID, the amount of bill you want to pay and the name of bank from which you wish to transfer the money.
• Once you will click ‘Pay Now’ button, then it will go to your bank payment portal. There you have to provide your credential and OTP to complete the transfer of the required amount into your credit card account.

IDBI Credit Card App

Go Mobile plus App of IDBI Bank is available on Google Play or Android App store. It can be downloaded on Android based smart phone. IDBI app is accessible with all the facility requires to operate the credit card. Following are the summary of work that can be performed by the app-

• To know the credit card bill for a particular month cycle.
• Payment credit card bills.
• To view the statement in a particular cycle.
• View the past billed statement.
• To know the outstanding or unbilled transaction.
• To perform the balance transfer.
• To convert balance transfer to EMI.
• To know the details and outstanding EMI.
• You can apply the facility of pay via scan and pay.
• You can make sure your accomplishment of milestone.
• Your redemption history

IDBI Credit Card Offer

IDBI Bank offers many exciting offers to the customer’s of credit card. Individual credit card has exclusive offers by different corporate or business houses.

These offers are most of the time contain lofty discount. However, most of the offers are valid for a limited time period but a few offers remain open for all the time.

• There are around 500 companies giving attractive offers   with IDBI credit card. you can visit following link to know the present offer- https://www.idbibank.in/credit-card-offers.asp
• Big companies such as Jewelers, Pantaloom as well as service based company such as DHL, Topper Classes, etc. offers high discount, if purchase is done by IDBI credit card.
• DHL provides 20 % discount on Domestic and International courier. DHL also offers 40 % discount on excess baggage weight to the customers of IDBI Credit Card.
• Topper Classes is a big brand for Medical or Engineering Entrance competition.  A high discount of 60 % in the courses offered by Topper Classes is available to the people having IDBI Credit Card.
• Pantaloons offer – Flat INR 1000 off on the products of pantaloon.  You can enjoy the heavy discount on purchasing of cloths made by big name pantaloon.
• You can avail high discount of 50 % on the products of Hangama play.
• Confluence dot com has many attractive crafted jeweler products available at high discount of 25 %.  

There are many attractive offers available with IDBI credit card, if a customer uses the credit card judiciously, then he or she can save a lot of money while purchasing.

Redeem IDBI credit card Point

IDBI credit card earned points i.e. Delight points can be redeem easily by purchasing items of need or by converting into cash. 1000 delight points are allowed to redeem at a time. One delight point is equal to Rs 0.25.

Following are point wise process for redeeming the IDBI credit card delight points-

• First you have to register on the idbidelight dot com. Process of registration is quite simple, you have to provide the credit card number and registered mobile number.
• You can redeem the earned delight points at Max get more Stores to get maximum benefits.
• You can do the redemption of earned delight points into cash (1 delight point = INR 0.25), grocery, airline ticket, movie ticket, mobile recharge, branded merchandise etc.

IDBI Credit Card Customer Care

IDBI Bank provides helpline number for the customer of credit card. Following are the numbers for the customer of domestic and International.

• IDBI Bank customer care Toll free numbers –
  1800-209-4324- Contactable from most mobile & landline phones.
  1800-22-1070 – Contactable from most landline & mobile phones
• Call Centre numbers- Chargeable for customers
  022- 67719100 – Chargeable number for our customers.
  0091-22-67719100- Chargeable number for our customers staying abroad.

Close IDBI Credit Card

If you want to close the IDBI credit card, then there is three different ways to proceed. First is through IDBI net banking, second is the through customer care help and the third option is through visiting the IDBI bank branch.

For Closure of IDBI credit card, it is essential that there should not be any outstanding amount on the credit card. It is also advisable that all the scheduled EMI through credit card is either over or transferred to any other card.

• You can call on customer care number 1800-209-4324 or any other number given on above column. You have to select the credit card option, and then you have to choose the closure of credit card option.
• You can close the IDBI credit card by visiting the online banking. There under credit card section, you have to choose the de-activate option.  Once card will deactivate, you can mail through available email section requesting them to close the present card.
• You can visit the nearest branch and apply for closure of the card.

IDBI Credit Card Complaint

IDBI Bank provide fast track complaint address channel in two different ways. First is the through customer care numbers and other is through e-mail.

• You can lodge a complaint related to the credit card in Toll-free numbers-
  • Toll-Free numbers: 1800 425 7600 And Non-Toll-Free Number: +91-022 – 4042 6013.
  • You have to provide details of the credit card and your registered email ID.
• The second way to raise a complaint or grievance is through e-mail. You can write your grievance in e-mail ID – [email protected]
• If your complaint or grievance is not been addressed by the above method, then you can raise the matter to 2^nd level Grievance Redressed officer – IDBI Bank Ltd., Credit Cards, RBG, 13th Floor, B Wing, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai – 400 005

IDBI Credit Card Pros and Cons

Conclusions

IDBI Credit Card is highly saver cards. The main attraction of IDBI credit card is it’s no income barrier. IDBI Bank does not demand a minimum income of applicant, off course; applicant must have some regular income.

IDBI Bank offers maximum benefits such as high delight points, customers high life coverage, maximum number of special offers, etc. at very less or no charge credit cards. 

The new credit card apply, credit card eligibility, credit card login, credit card to download the statement etc. facilities all are quite customer centric and available online.

IDBI Bank provides three level credit card grievance redressed system, it is quite helpful for customers.

IDBI Credit Card FAQs 

Q1. How long does the IDBI credit card require to be sanctioned?

Ans- Usual approval time after submission of application is 7 working days. You can add 1-2 more days for postal delay etc.

Q2. Can I use the IDBI credit card just after receiving or some activation process is essential?

Ans– IDBI Credit card received through Blue Dart Courier is inactivated state, hence can be used just after receiving. But the credit card send by speed post are in the deactivated state, the customer has to activate it by contacting customer care.

Q3- Can I use the IDBI credit card to withdraw cash at ATM?

Ans– Yes, You can use the IDBI credit card to withdraw cash money at ATM; but the withdrawal amount should be within the cash withdrawal limit. The cash withdrawal limit can be known by verifying your monthly credit card bills. There is a cash withdrawal charges @ 2.5 % or maximum INR 300.  

Q4. Is it safe to give PIN detail to merchants? 

Ans- No, never share the confidential credential to anyone. It is not safe to share the credit card PIN with the merchant.

Q5. What is a revolving credit facility?

Ans- Revolving credit facility is the facility to pay the full amount of the credit card bill cycle or to pay the minimum amount mentioned over there. However, if a customer is paying the minimum value of the bill, then he or she has to pay the interest for the remaining amount in the next bill cycle.