M16S / IDBI Bank / IDBI Aspire Platinum Credit Card
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IDBI Aspire Platinum Credit Card
The IDBI Aspire Platinum Credit Card charges no annual fee and no joining fee. Its base return is 0.33% (2 Delight Points per Rs 150 on shopping, dining and travel). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.33%
- Forex markup
- 3.5%
- Interest
- 2.9%a month
Apply on idbibank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining, annual and renewal fees nil (MITC). |
Rewards
| Welcome benefitunverified | 500 Delight Points on Rs 1,500+ spend in the first 30 days; 300 more for Rs 1,500+ in days 31-90 (cardinsider) |
|---|---|
| Reward currency | Delight Points |
| Base earnunverified | 2 Delight Points per Rs 150 on shopping, dining and travel |
| Base returnunverified | 0.33% |
| Point valueunverified | Assumed Rs 0.25 per point as on other IDBI Delight cards; not stated for Aspire |
| Reward notes | base_return_pct = (2/150) x Rs 0.25 = 0.33%. Redemption fee nil. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 300 per month |
Charges and eligibility
| Interest per month | 2.9% |
|---|---|
| Late payment fee | Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher; interest from transaction date |
| Eligibilityunverified | Aggregator: resident Indian, salaried 21-60 or self-employed 21-65 |
| Fine-print notes | MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 2.9% p.m. (34.8% p.a.). Cash limit 20%. No lounge access or insurance. Network not stated in any document read, so left empty. |
Questions
- What is the annual fee of the IDBI Aspire Platinum Credit Card?
- No annual fee.
- What is the forex markup on the IDBI Aspire Platinum Credit Card?
- 3.5% of each foreign-currency transaction, before GST.