IDBI Euphoria World Credit Card – Features, Fees & Charges, How to Apply

Following are the features and benefits of having an IDBI Euphoria World Credit Card:

Get access to airport lounges: With the IDBI Royale Signature card, you get access to various domestic airport lounges, no matter which airline you take. To see the list of lounges that you can get access to, click here.

Rewards Points*: With IDBI Euphoria Card you get 4,000 delight points on your first transaction of a minimum of 1,500 within 60 days of receiving your card. You also get 6 Delight Points for every Rs.100 spent on travel-related expenses. You can also earn 3 Delight Points on every spent made on Hotel, IRCTC, Bus Bookings etc. Delight points can also be redeemed as a cashback in your account. 

Fuel Surcharge Waiver: You can get a 1% waiver on fuel surcharge every time you use the IDBI Euphoria World Credit Card. The waiver is applicable for transactions ranging between Rs.400 to Rs.5,000 across all fuel stations. The maximum waiver applicable per month is Rs. 500.

Exclusive MasterCard Offers – Avail of all the offers provided by MasterCard for their travel-related services. However, the offers may vary as per VISA’s discretion from time to time.  

*Rewards are not applicable if the joining fee has not been paid. 

Other Benefits of IDBI Euphoria World Credit Card

Interest-Free Credit: With IDBI Euphoria World Credit Card, you can enjoy free credit for up to 48 days.

Wider Acceptance: More than 9 lakh merchants in India and more than 29 million merchants abroad accept the IDBI Euphoria World Credit Card. 

Zero Lost Card Liability- In case your card is lost, you can report it immediately to IDBI customer care at  1800 425 7600 (Toll-free) / 022 – 4042 6013 (Non-toll free). The card will be immediately blocked for all types of transactions to prevent misuse.

Air Travel Accident Insurance Cover: With IDBI Royale Signature Card you get an air travel accident insurance cover of Rs. 25 lakh.

IDBI Euphoria World Credit Card is best suited for you, if:

• You plan to spend a lot using this credit card (as you will earn good reward points)
• You travel often and would like to get lounge access at airports
• You want to save on fuel surcharge

Type of Fees / Charges	Amount / %
Joining Fee – (Primary / Add-on Card)	Nil
Annual Fee – (Primary Card)	1,499 (second year onwards)
Late Payment Fees (Per occasion, Based on the amount due)	< = Rs. 500 – Nil > Rs.500 to <= Rs. 5000 – Rs.400 > Rs.5000 to < = Rs. 10000 – Rs.500 > Rs.10000 to < = Rs. 20000 – Rs.750 > Rs.20000 – Rs.950
Interest Charges	2.5% (p.m.)

To know about other fees related to IDBI Euphoria World Credit Card, click here.

You can apply for IDBI Euphoria World Credit Card only if:

• You are an Indian resident
• You fall within the age bracket of 21-60 years (65 years for self-employed)

In case you are applying as an add-on cardholder, you should be 18 years and above. 

How to apply for an IDBI Euphoria World Credit Card?

To apply for IDBI Euphoria World Credit Card:

1. You can call the bank on the following numbers:
   • 1800 425 7600 (toll-free)
   • 022 4042 6013 (non-toll free)

2. You can visit your nearest bank branch

Who can apply for an IDBI Euphoria World Credit Card?

All Indian nationals falling between the age group of 21-60 years (65 years for self-employed)  can apply for this credit card. However, depending upon the applicant’s income and other criteria, the approval of an IDBI Euphoria World Credit Card will be based upon the bank’s discretion. 

What are the income documents required to apply for an IDBI Euphoria World Credit Card?

Following documents are required to apply for this credit card:

• ID Proof: Voter ID/ Passport/ Driving License/ PAN Card/ Adhaar Card
• Residence Proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
• Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Latest IT Return//Form 16
• Recent Photograph

How much GST will be applicable on my IDBI Euphoria World Credit Card?

GST will be levied at the rate of 18 per cent on fees and interest rates applicable to your card.

What are EMV Chip Cards?

IDBI Euphoria World Credit Card is an EMV Chip-enabled card. The chip makes your transactions more secure and saves you from counterfeiting.

Can IDBI Bank Chip cards be used as a normal Swipe card?

Yes, the magnetic strip is also present on this card and hence it can be used as a normal swipe card.

Credit Card	Annual Fee	Reward Points	Net Savings
HDFC Regalia First	Rs.1000	Earn 4 Reward Points on spending Rs.150	Rs.11,316*Rs.19,644**
SBI SimplySave	Rs.499	Earn 2,000 Bonus Reward Points on spending Rs.2000 or more within the first 60 days of issuance	Rs.9,271*Rs.14,541**
Citibank Cash Back	Rs.500	Earn 5% cashback on utility bills and entertainment	Rs.6,620*Rs.13,740**
Standard Chartered Manhattan Platinum	Rs.999	Earn 3X Reward Points on Hotel Reservations, Dining, Utility Bills etc.	Rs.8,697*Rs.16,293**
Standard Chartered Super Value Titanium	Rs.750	Earn 5% cashback on utility bills along with 1 Reward Point for every Rs.150 spent	Rs.9,834*Rs.19,644**

* On spending Rs. 2 lakhs annually. ** On spending Rs. 4 lakhs annually