IDBI Royale Signature Credit Card

Following are the features and benefits of having an IDBI Royale Signature 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: The IDBI Royale Signature Credit Card lets you earn 3 Delight points for every Rs. 100 spent on the card. With this credit card, you also get a welcome benefit of 750 Delight Points on the first usage of the card within 30 days or 400 Delight Points on card usage between 31 to 90 days from its issuance date. 

Fuel Surcharge Waiver: You can get a 1% waiver on fuel surcharge every time you use the IDBI Royale Signature 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 VISA Offers – Avail of all the offers provided by VISA for their travel-related services. However, the offers may vary as per VISA’s discretion from time to time.  

Other Benefits of IDBI Royale Signature Credit Card

Interest-Free Credit: With IDBI Royale Signature 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 Royale Signature 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 Royale Signature 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)	Nil
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 Royale Signature Credit Card, click here

You can apply for IDBI Royale Signature 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 Royale Signature Credit Card?

To apply for IDBI Royale Signature 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

Who can apply for an IDBI Royale Signature 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 Royale Signature Credit Card will be based upon the bank’s discretion. 

What are the income documents required to apply for an IDBI Royale Signature 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 Royale Signature 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 Royale Signature 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
SBI Card Prime	Rs.2,999	Earn 20 reward points per Rs 100 spent on utility bill payments through standing instructions	Rs. 10,337* Rs.16,661**
CitiBank PremierMiles	Rs.3000	Earn 10,000 Air Miles on spending Rs.1000 within 60 days of issuance	Rs.11,616* Rs.21,732**
Standard Chartered Emirates World Credit Card	Rs.3,000	Earn 4 Skyward miles per Rs. 150 spent on domestic transactions and 6 skyward miles on international transactions	Rs.8,796* Rs.10,404**
American Express Platinum Travel	Rs.5000	Earn Welcome Gift of 5000 milestone bonus membership Reward Points	Rs.8,520* Rs.34,640**
ICICI Bank Manchester United Signature Credit Card	Rs.2,499	Earn 5 PAYBACK points per Rs. 100 spent at retail purchases	Rs.8,397* Rs.15,621**

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