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IDBI Winnings Credit Card: Features, Eligibility, Fees & Charges

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Updated: 17-12-2025 09:50:09 AM

IDBI Winnings Credit Card comes with a host of benefits such as complimentary access to domestic and international airport lounges, personal accident cover, concierge services and more. It is suitable for individuals who wish to earn rewards and travel benefits on their credit cards. Here are all the benefits and features of this card:

Key Highlights of IDBI Winnings Credit Card
Annual Fee Rs. 899 (from second year onwards)
Welcome Benefit Flat 10% cashback on all transactions with a minimum value of Rs. 500*
Suitable For Rewards and Travel
Reward Points 2 Delight Points for every Rs. 100 spent 

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the IDBI Bank website.

*Welcome benefits are only applicable if the joining fee has been paid. Also, the maximum cashback that can be received is limited to up to Rs. 500.

IDBI Winnings Credit Card- Features and Benefits
Who should you get IDBI Winnings Credit Card?
IDBI Winnings Credit Card Fees & Charges
Who is eligible to get an IDBI Winnings Credit Card?
How to apply for an IDBI Winnings Credit Card?
Frequently Asked Questions
IDBI Winnings Credit Card- Features and Benefits

Following are the features and benefits of having an IDBI Winnings credit card:

Get access to airport lounges: With an IDBI Winnings card, you get free access to domestic and international airport lounges.

Rewards Points: The IDBI Winnings credit card lets you earn 2 Delight points for every Rs. 100 spent on the card. With the Winnings card, you also get a welcome benefit of a flat 10% cashback on all transactions with a minimum value of Rs. 500 within 90 days of card receipt.

Fuel Surcharge Waiver: You can get a 1% waiver on fuel surcharge every time you use the IDBI Winnings credit card. The waiver is applicable for transactions ranging between Rs.4000 to Rs.5000 across all fuel stations.

Other Benefits of IDBI Winnings Credit Card

  • Interest-Free Credit: With IDBI Winnings credit card, you can enjoy free credit for up to 48 days.
  • Personal Accident Insurance Cover: Get an accidental death cover of Rs. 10 lakh in case of death/permanent disability due to the accident. However, you will be eligible to avail of this coverage only if:
    • You fall within the 18-70 years age group
    • You have made one successful transaction via your credit card in the last 90 days before the incident.
  • Wider Acceptance: Your winnings card can be used for booking Air/IRCTC/Hotels/Movie tickets or for dining, shopping, recharge, fuel, utility bills etc. The card can also be used to withdraw money from 1.88 million ATMs spread across India and abroad. Also, with every transaction you make you earn good reward points.
  • 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.
Who should you get IDBI Winnings Credit Card?

IDBI Winnings 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 free lounge access at airports
  • You want to save on fuel surcharge
IDBI Winnings Credit Card Fees & Charges
Type of Fees / Charges Amount
Joining Fee – (Primary / Add-on Card) Nil
Annual Fee – (Primary Card) Rs. 899 (From second year onwards)
Interest on Cash Advance 3.4% (p.m.)
Late Payment Fees (Per occasion, Based on the amount due) < = Rs. 500 – Nil
> Rs.500 to <= Rs. 5,000 – Rs.400
> Rs.5,000 to < = Rs. 10,000 – Rs.500
> Rs.10,000 to < = Rs. 20,000 – Rs.750
> Rs.20,000 – Rs.950

*Click Here to view more details of fees and charges of this credit card.

Who is eligible to get an IDBI Winnings Credit Card?

You can apply for IDBI Winnings 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 Winnings Credit Card?

To apply for IDBI Winnings Credit Card:

You can call the bank on the following numbers:

  • 1800 425 7600 (toll-free)
  • 022 4042 6013 (non-toll free)

You can visit your nearest bank branch

Frequently Asked Questions

Who can apply for an IDBI Winnings 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 Winnings credit card will be based upon the bank’s discretion. 

What are the income documents required to apply for an IDBI Winnings 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 Winnings credit Card?

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

What benefits will I get with an IDBI Winnings credit Card?

With this credit card, you can get benefits such as interest-free credit cards, access to the domestic and international airport lounges, fuel surcharge waiver, accidental insurance cover and more. 

What are EMV Chip Cards?

IDBI Winnings 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.

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