Please Note: IDBI Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.
| IDBI Bank Credit Cards | Annual Fee/Renewal Fee | Best Suited For |
| IDBI Royale Signature | Rs.1,499 | Lifestyle |
| IDBI Aspire Platinum | Rs.499 | Shopping and Rewards |
| IDBI Euphoria World | Rs.1,499 | Travel |
| IDBI Winnings | Rs.899 | Travel |
Read more to know about the key highlights of IDBI credit cards.
The four credit cards by IDBI Bank cater to different categories including travel, shopping, reward points and luxurious privileges. Here are the detailed features and benefits of these credit cards:
Delight Points: You will earn 3 Delight points for every Rs 100 spent on this card. A welcome gift is 750 Delight points is given on the first use of the card within 30 days and 400 Delight Points within 31-90 days from the issue date of the card.
Fuel Surcharge Waiver: A waiver of 1% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400 – Rs 5000 with a maximum of Rs 500 in waivers per month.
Interest Free Credit: A interest free credit period of 48 days is given to manage your credit card payments
Coverage of Insurance: A strong coverage of Rs 25 lakhs is what the card offers to cover the risk of life as an insurance
Airport Lounge Access: Royale Signature Card facilitates the card holder to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
Zero Lost Card Liability: Wherever, the card is lost, one needs to report the same immediately at the IDBI toll free number to block the card. And also any transaction which is considered as fraudulent after the card gets lost, will be covered by the bank thereafter.
Similar Card: ICICI Coral Contactless
IDBI Royale Signature is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.
Delight Points: You will earn 2 Delight points for every Rs 150 spent on this card. A welcome gift is 500 Delight points is given on the first use of the card within 30 days and 300 Delight Points within 31-90 days from the issue date of the card.
Fuel Surcharge Waiver: A waiver of 1% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400- Rs 4000 with a maximum of Rs 300 in waiver per month.
Zero Lost Card Liability: If the card is lost, you can report the same without delay at the toll free customer service number to block the card. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank thereafter.
Global Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally accept this credit card.
Similar Card: ICICI Visa Platinum
IDBI Aspire Platinum is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.
Delight Points:You will earn 6 Delight points for every Rs 100 spent on this card. A welcome gift is 4000 Delight points is given on the first use of the card within 60 days from receiving of the card. However, to be eligible for the welcome gift the minimum transaction value has to be Rs. 1500
Fuel Surcharge Waiver: A waiver of 1% of surcharge on fuel is allowed on all the petrol pumps ranging from Rs 400- Rs 5000 with a maximum of Rs 500 in fuel surcharge waiver per month.
Delight Points – Annual Points of 2000 can be earned on payment of annual fee.
Zero Lost Card Liability: If the card is lost, one needs to report the same without delay at the toll free IDBI number to get the card blocked. And also any transaction which is considered as fraudulent after the card gets lost will be covered by the bank thereafter.
Coverage of Insurance: Air accident death coverage of Rs 25 lakhs is offered as a complimentary feature.
Airport Lounge Access: Royale Signature Card facilitates the card holder to use the best of facilities in the airport lounge and enjoy all the services and luxuries available there.
Global and wider Acceptance: Over 9 lakhs merchants in India and 29 million merchants globally are tied up with this credit card.
Similar Card: ICICI Bank Rubyx
IDBI Bank Euphoria World is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.
Delight Points- Earn 2 delight points on every Rs.100 spent
Welcome gift- Get 10% cashback on all the transactions on spending Rs.500 in the first 90 days
Fuel Surcharge Waiver – Get 1% fuel surcharge waiver on using this credit card
Airport Lounge Access- You can enjoy access to airport lounges with IDBI Winnings credit card
Similar Card: ICICI MakeMyTrip Platinum
IDBI Winnings is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials
IDBI Bank makes using its credit card worth an experience. The rich features of these credit cards not only offer tranquility of mind, but every time you spend, you stand to receive a wide range of gifts and other rewards.
All the IDBI credit cardholders are entitled to earn Delight Points each time they spend using their IDBI Bank Credit Card. The reward points earned can be spent on more than 7000 exciting rewards across various categories such as the following.
You may spend their IDBI reward points against any of the categories mentioned below:
Mobile / DTH recharge
Hotel bookings
Movie ticket bookings
Air / Bus ticket bookings
| Fee/Charge | Amount/Rate |
| Free Credit Period | Up to 48 days |
| Finance Charges on Revolving Credit and Cash Advance | 3.25% p.m. (46.78% annual) |
| Cash Withdrawal Fee | 2.5% of the amount withdrawn (min. Rs. 500) |
| Cash Payment Fee | Rs. 100 |
| Late Payment Fee | For outstanding balance up to Rs. 100- Nil For balance from Rs. 101 to Rs. 500- Rs. 100 For balance from Rs. 501 to Rs.5,000- Rs. 400 For balance from Rs. 5,001 to Rs. 20,000- Rs. 500 For balance more than Rs.20,000 – Rs.750 |
| Over Limit Fee | 3% of the amount (min. Rs. 500) |
| Fee for cheque dishonor or auto-debit reversal | 2% of the amount withdrawn (min. Rs. 450) |
| Foreign Currency Mark-up Fee | 3.5% of the transaction amount |
There are certain criteria that the financial institution looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
To apply for IDBI Bank credit card, you can on the bank’s website or you can visit the nearest IDBI Bank branch. The bank officials will guide you with the credit card application process. On submitting the required documents, the bank will process your application further and will dispatch the card to the mentioned address, if approved.
In order to resolve queries related to credit cards, you can contact on the toll free number given below:
Toll Free Number: 1800 425 7600
Non Toll free number: 022 – 4042 6013
