IDBI Imperium Platinum Credit Card
IDBI About This Card
The IDBI Imperium Platinum Credit Card is a secured credit card backed by a Fixed Deposit, offering up to 85% of FD value as credit limit. With 2 Delight Points per Rs 150 and a Rs 499 annual fee, it's designed for individuals with limited credit history looking to build their credit score.
Pros & Cons
Pros
- Available to those with limited/no credit history (secured)
- Credit limit up to 85% of FD value
- Fee waiver at Rs 75K annual spend is reasonable
- Good for building credit score
Cons
- Requires a Fixed Deposit to get approved
- Very low reward rate
- No lounge access or premium features
- No fuel surcharge waiver
Fee Details
Reward Structure
Lounge Access
Key Highlights
- Secured card — credit limit up to 85% of Fixed Deposit
- Cash withdrawal up to 70% of credit limit
- 2 Delight Points per Rs 150 spent
- Interest-free credit up to 48 days
- Available with minimal credit history (FD-backed)
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