IDBI Bank Smart Cashback Credit CardIDBI Bank Shopping Plus Credit Card

Side-by-side comparison of fees, rewards, benefits & more

IDBI Bank Smart Cashback Credit Card

IDBI Bank

4.8/5

Recommended

IDBI Bank Shopping Plus Credit Card

IDBI Bank

4.4/5

Recommended

Feature

IDBI Bank Smart Cashback Credit Card

IDBI Bank Shopping Plus Credit Card

Bank / Issuer

IDBI Bank

Card Network

Mastercard

RuPay

Card Type

Entry

Mid

Annual Fee

₹499 + GST

₹999 + GST

Joining Fee

₹499 + GST

₹999 + GST

First Year Fee

₹499 + GST

₹999 + GST

Fee Waiver Condition

Spend ₹1 lakh in a year

Spend ₹2 lakh in a year

Contactless Payment

Effectively Free

IDBI Bank Smart Cashback Credit Card — Key Features

Cashback credited monthly
Milestone spend fee waiver

IDBI Bank Shopping Plus Credit Card — Key Features

Reward multiplier on online transactions
EMI conversion on big purchases

IDBI Bank Smart Cashback Credit Card — Benefits

Easy-to-track savings on regular expenses

IDBI Bank Shopping Plus Credit Card — Benefits

Annual savings through merchant offers

Fee & Charges Summary

IDBI Bank Smart Cashback Credit Card

Interest	3.6% per month
Late Payment Fee	As per statement amount slab

IDBI Bank Shopping Plus Credit Card

Interest	3.5% per month
Late Payment Fee	As per statement amount slab

IDBI Bank Smart Cashback Credit Card — Highlights

Flat cashback on eligible spends
Extra benefits on utility payments

IDBI Bank Shopping Plus Credit Card — Highlights

Accelerated points on shopping categories
Partner-brand offers and coupons

Frequently Asked Questions

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