IDBI Bank Add-on Credit Card Application Form – Royale/Euphoria/ Aspire/ Imperium Card
IDBI Bank Add-on Credit Card Application Form – Royale/Euphoria/ Aspire/ Imperium Card Download
Based on the provided form and official rules from IDBI Bank, here are the key points for the Add-on Credit Card facility across the premium variants (Royale, Euphoria, Aspire, and Imperium): [1]
Core Terms & Liability
- Financial Liability: The entire financial responsibility for all purchases, charges, and transactions made using the add-on card rests solely on the primary card member (Add-onCred… p. 1).
- Shared Credit Limit: The add-on card does not have an independent balance; it shares the existing credit and cash withdrawal limits of the primary credit card. [2]
- Billing: All expenses incurred by the add-on cardholder are integrated directly into the primary cardholder’s monthly statement (Add-onCred… p. 1).
- Automatic Termination: The add-on card facility is automatically canceled if the primary cardholder’s account is terminated or closed (Add-onCred… p. 1).
Variant Restrictions & Eligibility
- Age Requirement: The applicant must be a minimum of 18 years of age (Add-onCred… p. 1). [1]
- Eligible Relationships: Cards can only be extended to immediate family members: Spouse, Parents, Siblings, or Children (Add-onCred… p. 1). [1]
- Card Quota Per Variant:
- Aspire Platinum & Imperium Platinum: Eligible for 1 add-on card.
- Royale Signature & Euphoria World: Eligible to request up to 2 add-on cards. [1]
Features & Exclusions
- Independent Security: Each add-on card is issued with its own separate, secure transaction PIN sent via speed post.
- Clubbed Reward Points: Reward points (Delight Points) earned via the add-on card are automatically pooled into the primary cardholder’s account for higher-tier redemption.
- Benefit Exclusions: Certain premium perks, such as complimentary airport lounge access, are strictly reserved for the primary cardholder and do not extend to the add-on user.
- Regulatory Compliance: All transactions must strictly adhere to the Reserve Bank of India (RBI) Exchange Control Regulations and the Foreign Exchange Management Act (FEMA), 1999 (Add-onCred… p. 1). [1, 3, 4]
Documentation Checklist
The primary cardholder is responsible for submitting self-attested copies of the following documents for the add-on applicant (Add-onCred… p. 1):
- Identity Proof: PAN Card (mandatory), Voter ID, Passport, Driving License, or Aadhaar Card (Add-onCred… p. 1).
- Address Proof: Aadhaar Card, Passport, Driving License, Election Card, or recent Utility Bills (Add-onCred… p. 1).
- Visuals: A recent passport-size photograph with the applicant’s signature across the front (Add-onCred… p. 1). [1]
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