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Brief Guide For IDBI Credit Cards

The wide varieties of credit cards from IDBI Bank match the different lifestyles and are valid worldwide. The best in class features of the cards make them the preferred credit cards among other banks. Security of the cards is ensured with the EMV chip and usage of PIN for increased security. Another attractive feature of the cards is that the money spent using the cards helps earn reward points that can be redeemed for cash.

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IDBI Credit Card Registration & Login

IDBI Credit card can be obtained by submitting an application for a credit card at your nearest branch. Request for a credit card can also be made online or by calling the credit card customer care. Along with the application, the applicant should provide the income proof and a photograph. IDBI verifies the eligibility of the applicant and issues the credit card within seven working days. This bank also provides different IDBI Deposit schemes to their customers for better banking experience.

Depending on the courier service through which the card is sent, the customer may have to activate the card before starting to use it. Chip cards that are sent trough Blue Dart Courier service are activated and can be used immediately. The cards sent through speed post have to be activated. Call the customer care executive at 1800 425 7600 to activate the card. Another number that can be called to activate the card is 022-4042 6013. However, the customer has to pay for calling the second number. After activation, start using the card for all your shopping needs either at the online store at retail stores.

IDBI Credit Cards with Offers

The different types of credit cards include the Royale Signature, Euphoria World, Aspire Platinum, Imperium Platinum, and the Winnings. The Royal Signature card can be obtained for free without having to pay the joining fee. For other variants of IDBI credit card a joining fee has to be paid. An annual fee of Rs.1499 has to be paid for using the Royal Signature and Euphoria World cards. The annual fee is limited to Rs.499 for the other two variants. IDBI also provides offers on IDBI Debit Cards along with IDBI Credit Cards.

IDBI Credit Card Offers

Book your movie tickets online at bookmyshow and pay using the IDBI credit card to avail the one plus one offer.Get two free movie tickets once in a month for any day of the week with the IDBI Euphoria credit card.

Get a free medium pizza with a delicious medium pizza at US Pizza. Choose a medium pizza of your choice, provide the city and the outlet details, place the order, enter the promocode IDBIUSP at the payment gateway and your free pizza will be delivered along with the pizza you have purchased. It should be noted that the offer is valid only on take away and dine in services only. The offer is not available on Sunday. The free pizza you choose should also be lower or of the same price as the purchased pizza. The offer is not available on Margarita pizza.

Avail 15% discount on delivery charges of your ferns n petals order. To avail the offer, the customer has to register at the fnp website and login the site. Choose the product of choice and enter the promo code IDB115 at the payment gateway. You can check Credit card offers with IDBI Net Banking at any time.

Get up to 50% off on first three Uber rides. The offer is available only for new users. Provide the promocode IDBISPL at the time of booking the ride.

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Avail up to 55% discount when you shop online at pepperfry.com. To avail the deal, register at Pepperfry.com. Choose the product of your choice to purchase, enter the promo code IDBI25 at the payment gateway to avail the discount.

Shop at Jabong.com for Rs.1899 and get a discount of Rs.500. To avail the discount, pay with IDBI credit card and provide the promo code IDBIBK500 at the payment gateway.

Get a consultation for just Rs.245 instead of Rs.995 at any of the Richfeel owned clinics. The deal also includes free hair rejuvenation therapy and free consultation throughout the year. Other offers available at Richfeel clinics are 10% discount on bill valued Rs.3000 to Rs.4999 and 15% off on bill valued Rs.5000.

Get 20% discount at Naturals salon. The bill value has to be Rs.1000 to avail the discount.

Shop at firstcry.com for your little one and pay the bill with IDBI credit card to enjoy 20% discount. If you are shopping at firstcry for the first time, register yourself. Choose the product of choice. Enter the promo code FCIDBI20 at checkout to avail the offer.

Get regular health checkup done at Thyrocare and avail huge discounts. Use IDBI credit card to pay the bill and avail discounts on different packages. Get the IDBI Silver health package for Rs.800 against Rs.2700, IDBI Gold Health Package for Rs.1175 against Rs.4000, IDBI Platinum Health Package for Rs.1550 against Rs.5100, and the IDBI Special Diabetes package for Rs.1175 against Rs.3200. Get 15% discount at housejoy.in when you pay using the IDBI credit card. You can also avail the better offers at  Punjab National Bank Credit Cards, South Indian Bank Credit Cards and Kotak Mahindra Bank Credit Cards etc.

Order the delicious food of your choice from your favorite restaurant at foodpanda and get a discount of Rs.75. Enter the promo code IDBI75 at checkout and pay using the IDBI credit card to enjoy the discount.

Apart from these special offers, Visa Card holders can enjoy additional benefits.

IDBI Credit Cards Customer Care

Credit card grievances can be reported by different means – visiting the branch, sending an email, calling the customer care, and by writing a letter. Along with the complaint, the user has to provide the credit card number, full name, contact details and the reference number of the complaint. The customer care executives can be called on toll-free numbers – 1800 425 7600 or on non toll-free number 91-022-4042 6013. An email of the complaint can be sent to the ID [email protected]. After registering the complaint, the customer is provided with a new complaint ID and the complaint is expected to be resolved within 8 working days. If the complaint remains unsolved, then the customers can contact the zonal grievance redressal officer directly.

FAQ’s Related to IDBI Credit Cards

  1. What is the eligibility for obtaining a credit card?

View Answer
The eligibility for obtaining a credit card is the applicant should be in the age group of 18 to 60 years. If the applicant is a salaried employee, then the age limit is 65 years. An add-on card can be applied for the family members aged 18 years and above. Another eligibility criterion for obtaining a credit card is that the applicants should be an Indian citizen. 

2. What are the documents required for applying for a credit card?

View Answer
The documents required for applying a credit card are Identity proof which can be a passport, driving license, voter ID, PAN card, or the Adhaar card; Residence proof which can be any utility bill, passport or the adhaar card; and Income proof as included in the salary statements of last three months. Along with the documents, the user should provide a passport size photograph. 

3. How to use an EMV chip and the PIN card?

View Answer
The card should be inserted in the chip terminal appropriately and the card should not be swiped. Act as per the instructions provided by the machine. The user is given the option to choose whether to use a credit card or debit card. The payment amount and the valid 4-digit pin should be provided so as to authorize the transaction. The card has to be removed after completion of the transaction. 

4. What is the procedure to be followed to deal with disputes regarding credit card transactions?

View Answer
The dispute regarding the credit card transaction should be reported to the 24-hour customer care. It is very important to report the transaction immediately and not more than 30 days from the statement date. The complaints can also be emailed to [email protected].  

5. Does IDBI Bank provide the revolving credit facility?

View Answer
After receiving the monthly credit card statement, the customer is given the flexibility to choose any of the revolving credit facilities. The customer can select to pay the total amount, pay the minimum amount included in the statement, or pay any amount that lies between the minimum payout amount and the total bill. If the customer chooses to pay only a certain amount of the bill then the remaining amount will be carried to the next billing cycle. 

6. When can the credit card user stop paying the interest charge?

View Answer
The credit card user can stop paying the interest after paying the outstanding amount. 

7. What are the different options for paying the credit card bill?

View Answer
Credit card bill payment can be done through multiple ways. With the auto-debit facility, the user can provide standing instructions to deduct the bill amount from the IDBI current or savings account every month. The amount will be automatically deducted from the IDBI account before the due date. Users can also pay the credit card bill through net banking from the IDBI account or by NEFT from other bank accounts. A cheque or demand draft for the amount to be paid can also be submitted at the IDBI branch or at the ATM center. Another way but a little cumbersome method is cash payment at the branch. 

8. Is EMI facility available on IDBI Bank credit card?

View Answer
Yes, the credit card bill can be paid in easy monthly installments. The amount has to be a minimum of Rs.3000 to be converted into an EMI. The installments can be paid at an interval of 3, 6, 9, and 12 months. The EMI facility is not available for new customers. Credit card users who have been using the card for the past 6 months are only eligible for credit card EMI facility. 

9. What happens if a transaction above the range of the credit limit is made using the credit card?

View Answer
If a transaction that crosses the card limit is made, then the approval of the transaction is at the discretion of the IDBI bank. If the transaction is approved, then the customer has to pay an amount of RS.500 or 2.5% of the amount that has exceeded the credit limit. 

10. Can the credit limit be increased temporarily?

View Answer
Yes, it is possible to increase the credit limit temporarily at times of need. The limit can be enhanced by visiting the IDBI Bank branch and submitting a request for an increase of credit limit. The applicant has to provide a salary statement or the income statement. Users who have been using the card for the past 6 months are only eligible for increasing the credit limit. 

11. What should be done in the case of loss of credit card?

View Answer
A complaint has to be made immediately by calling the customer care executives on toll-free number 18004257600 or 022-4042 6013. The card will be deactivated or canceled instantly to prevent fraudulent transactions and loss. 

12. Does IDBI provide Air Travel Accident Insurance Cover for its credit card users?

View Answer
IDBI Bank provides Air Travel Accident Insurance coverage of Rs.25 lakhs for users of Royale Signature and Euphoria credit cards. The details of the nominee have to be provided in the credit card application to avail the benefits. In the case of unforeseen accident and death of user of the card, the nominee has to claim the benefits within one year of the death of the user. 

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