IDBI Bank · Entry
Imperium Platinum Credit Card
Where it ranks across all 187 cards
#57 Wallet load
0.3%
direct
#61 EMI
0.3%
direct
#82 Education
0.3%
direct
#86 Utility bills
0.3%
direct
#113 Jewellery & watches
0.3%
direct
#117 Gaming
0.3%
direct
#125 Mobile / broadband
0.3%
direct
#133 Train tickets
0.3%
direct
#141 Cabs & transit
0.3%
direct
#150 Flights
0.3%
direct
#150 Hotels
0.3%
direct
#150 Health & pharmacy
0.3%
direct
#151 Other
0.3%
direct
#153 Groceries
0.3%
direct
#153 Electronics
0.3%
direct
#156 Dining out
0.3%
direct
#156 Movies & events
0.3%
direct
#157 Food delivery
0.3%
direct
#158 Online shopping
0.3%
direct
#159 Fashion
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.33%base rate
2 pts / ₹150
source
Source: IDBI Bank Imperium Platinum Credit Card - idbibank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Manual cash disbursement, Automated cash disbursement (ATM) +3 more
earns nothing
IDBI Bank Delight Points are not earned on these Merchant Category Codes, per the Credit Card MITC.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6010, 6011, 6211, 9211, 9222
Source: IDBI Bank Credit Card MITC - Delight Points exclusions - idbibank.in - read 1 Oct 2026
Insurance
earns nothing
No Delight Points on insurance premiums (MCC 6300, 6381, 5960), per the Credit Card MITC.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960
Source: IDBI Bank Credit Card MITC - Delight Points exclusions - idbibank.in - read 1 Oct 2026
Government / tax
earns nothing
No Delight Points on government and tax payments (MCC 9311, 9399, 9405), per the Credit Card MITC.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9311, 9399, 9405
Source: IDBI Bank Credit Card MITC - Delight Points exclusions - idbibank.in - read 1 Oct 2026
IRCTC (train tickets)
earns nothing
IDBI Bank Delight Points are not earned on these Merchant Category Codes, per the Credit Card MITC.
→ use IRCTC SBI Card here (10.0%)
detail & source
merchants: IRCTC (train tickets) · MCCs: 4112
Source: IDBI Bank Credit Card MITC - Delight Points exclusions - idbibank.in - read 1 Oct 2026
Fuel
earns nothing
No Delight Points on fuel (MCC 5541, 5542, 5172, 5983), per the Credit Card MITC.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5541, 5542, 5172, 5983
Source: IDBI Bank Credit Card MITC - Delight Points exclusions - idbibank.in - read 1 Oct 2026