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It can be hard to make ends meet and still maintain your lifestyle when prices of almost every commodity are on an upward trajectory. In such a scenario, your IDBI bank credit card can be a saviour with its expanded credit limits and a host of offers and rewards. Using credit cards is no longer a mere convenience or an alternative to carrying cash. It is a tool to maintain your lifestyle while paying for your daily needs out of your income. Here is all you can do with your IDBI credit card.
IDBI offers rewards under different brands and categories. Here is a list – though not comprehensive, it will give you a good idea about what’s in store.
Books and E books
IDBI brings you a bouquet of benefits and features which will help enhance your lifestyle at a relatively low cost.
1. Can I apply to increase my credit card limit?
Yes, you can apply to increase the credit limit on the card at any point of time. For this you need to write to the bank asking for increase in the credit limit. You also need to provide documentary proof of credit worthiness such as bank statements and IT returns. The decision – which is based on your credit history and capacity to pay – is at the sole discretion of the bank and is final.
2. How safe it is to share card PIN details with the shopping merchants if they ask for it?
It is the combination of the credit card – physical proof – and your PIN – digital proof – which identifies you to the bank when making a transaction with your credit – or other – card. In the event your card is lost or misplaced, any unscrupulous person who knows your PIN number can misuse the card. Therefore you should never under any circumstances share your PIN with any other person.
3. What is Revolving Credit?
If ever you find yourself in a position where you are only able to pay off part of your credit card dues, you can carry forward the balance to the next billing cycle. This is known as Revolving Credit. There are some terms and conditions applicable and IDBI bank will charge interest on the carry-forward amount as per the schedule of fees and charges – available on their official website.
4. I am migrating abroad for business reasons; can I retain my card?
No. In the event you decide to migrate to another country, you must surrender your card. IDBI – like other banks – issues credit cards only to Indian Residents. You must also settle all your dues before you surrender your card.
5. Can I use my card immediately I receive it?
IDBI dispatches credit cards via Blue Dart courier service. This is a trusted service and if you receive your credit card via this channel you can begin using it immediately. However in places where Blue Dart does not provide service, credit cards are dispatched via registered post. If this happens, you must call the customer care number to have your card activated.
IDBI Bank has its headquarters in Mumbai. It is one of the largest commercial banks in India. With its strong business strategy and committed workforce, the bank sells a multitude of financial products such as mutual funds, term deposits, credit and debit cards, and so forth in addition to providing traditional banking services. They use state-of-the-art technology to provide customized service to both individual as well as corporate customers. Established in 1964, the bank received the Banking Technology award for best use of Business Intelligence and the best Risk Management from Indian Banks Association in 2011.
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