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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
IDBI
Platinum
•••• •••• •••• 0000
Platinum Debit
RuPayIDBI Bank • RuPay• Platinum
Annual Fee
Free
Base Reward Rate
0.50%
Foreign Tx Fee
3.5%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
2 complimentary domestic airport lounge visits per calendar quarter at participating airport lounges. NO spend criteria — walk-in ready. Program: RuPay Platinum / participating-airport-lounge program.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹2,940
Blended 0.47% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
IDBI RuPay Platinum Chip Debit Card. Issuance ₹150 + GST, Annual ₹400 + GST. Add-on / Replacement ₹300 + GST each. Repin (physical PIN request) ₹50 + GST. Limits: ₹1 Lakh/day ATM withdrawal AND ₹1 Lakh/day POS purchase. Rewards: 2 loyalty points per ₹100 purchase (point value not officially published). **Lounge access:** 2 complimentary domestic airport lounge visits per CALENDAR QUARTER at participating RuPay/airport lounges. NO spend criteria — walk-in ready. **Insurance covers (decent for a debit card):** Personal Accident (death) ₹5 Lakh; Permanent Disability ₹2 Lakh; Purchase Protection ₹20,000 (90 days); Lost/Stolen Card ₹1 Lakh; Baggage Loss ₹50,000; Fire & Burglary (Household) ₹50,000. Concierge services: golf, car rentals, hotels, dining assistance, courier, tax filing. Online txn support (travel/movie tickets, bill payments).