IDBI Bank Aspire Platinum Credit Card Review
The IDBI Bank Aspire Platinum is a basic, lifetime-free everyday card earning Delight Points on lifestyle spends, with a fuel waiver and free add-on cards. Here is the verified review.
- Lifetime-free — no joining or annual fee
- 2 Delight Points per ₹150 on lifestyle spends
- 1% fuel surcharge waiver (up to ₹300/month)
- Up to 48 days interest-free
- Free add-on cards
- Low reward value (4 points = ₹1)
- No lounge access
- Minimum 1,000 points to redeem
- Basic benefits overall
- Best for existing IDBI customers
Fees & rewards
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Travel/shopping/dining/movies | 2 Delight Points per ₹150 |
| Welcome | 500 DP (first use 30 days) / 300 DP (31–90 days) |
| Fuel surcharge waiver | 1% (₹400–₹4,000, up to ₹300/month) |
| Interest-free | Up to 48 days |
| Redemption | From 1,000 points (4 points = ₹1) |
Eligibility & documents
Fee
Lifetime-free
Network
Visa / Mastercard
Recommended CIBIL
~720+
Best for
IDBI customers; basic everyday use
Add-ons
Free
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: IDBI customers wanting a simple no-fee everyday card.
- Skip if: you want lounge access or a higher reward rate.
How to apply & how to cancel
Apply: via idbibank.in or a branch. Cancel: contact IDBI cards after clearing dues; redeem points first.
Final verdict
The IDBI Aspire Platinum is a basic lifetime-free everyday card — fine for IDBI customers who want a no-cost card with lifestyle points and a fuel waiver, but the low point value and lack of lounges make it a secondary card rather than a rewards driver.
Frequently asked questions
Is it free?
Yes — it’s a lifetime-free card with no joining or annual fee.
How does it reward spends?
2 Delight Points per ₹150 on travel, shopping, dining and movies; 4 points equal ₹1 on redemption.
Does it offer lounge access?
No — it’s a basic everyday card.
What’s the interest-free period?
Up to 48 days on purchases.
Data current as of June 2026, cross-checked against IDBI Bank and aggregators. Confirm current terms on idbibank.in before applying.