By Ankur Mittal
Updated On September 6, 2021

Industrial Development Bank of India, also popularly known as IDBI Bank is a wholly-owned subsidiary company of Life Insurance Corporations and is one of the largest commercial banks of India. IDBI Bank has a total of 2095 branches and 3394 ATMs spread across the country. IDBI Bank is a development financial institution that is headquartered in Mumbai. The bank has three subsidiary companies namely IDBI Capital Markets, IDBI Intech, IDBI Asset Management. The bank mainly operates across four business verticals namely retail banking, corporate banking, treasury service, and other banking services.

IDBI Bank announced its entry into the credit card industry in the year 2014. The bank has a total of 5 credit cards in its portfolio namely IDBI Bank Royale Signature credit card, IDBI Euphoria World credit card, IDBI Bank Aspire Platinum credit card, IDBI Bank Imperium Platinum credit card, and IDBI Winnings credit card. Read below to know more about the credit card offerings by the IDBI Bank.

Welcome Benefits

500 Welcome bonus on the spending Rs 1500 within 30 days of card issuance and 300 Delight point on spending between 31 days to 90 days

Rewards Rate

2 Delight Points on every Rs 150 spent

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

1 Reward Point = Rs 0.25 redeemable on IDBI Delight reward portal at www.idbidelight.com or Max Get More merchant outlets.

Joining Fees

Rs 499 + GST

Product Details

  • 500 Welcome bonus Delight points on the spending of Rs 1500 within 30 days of card issuance
  • 300 Welcome bonus Delight points on the spending of Rs 1500 between 31 to 90 days of card issuance
  • 2 Delight Points on every Rs 150 spent shopping, movies, and traveling using your IDBI Bank Imperium Platinum credit card

See additional details for IDBI Bank Imperium Platinum Credit Card

IDBI Bank Winnings RuPay Select Credit Card

Welcome Benefits

Get 10% cashback up to Rs. 500 on all transactions done within 90 days of receiving the card.

Rewards Rate

Earn 500 delight points or more on making 5 transactions worth Rs. 1000 per month. Earn 2 delight points on every Rs. 100 spent on this card.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Redeem delight points for making payments for dining, shopping, utility bills, holidays, gifts and entertainment.

Joining Fees

Rs. 899

Product Details

  • The IDBI Winnings RuPay Select Credit Card comes with no joining fee.
  • As a welcome benefit, get 10% cashback up to Rs. 500 on all transactions.
  • 500 delight points on making 5 transactions worth Rs. 1000 per month.
  • Get double delight points in your Birthday month.
  • 2 delight points on every Rs. 100 spent on this card.
  • Covers accidental death and permanent disability insurance up to Rs. 10 lakhs for each.
  • Avail 1% fuel surcharge waiver, maximum waiver of Rs. 400 per month.

See additional details for IDBI Winnings RuPay Select Credit Card

IDBI Royale Signature Credit Card

Welcome Benefits

750 Delight Points if the first transaction of minimum Rs. 1,500 is made with 30 days of card issuance or 400 Delight Points if the first transaction of minimum Rs, 1,500 is made between 31 and 90 days of card issuance.

Rewards Rate

3 Delight Points per Rs. 100 spent using the card

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

Delight Points redeemable on the IDBI Delights portal for cashback, merchandise, flight tickets, mobile recharges, hotel reservations, gift cards, movie tickets, etc.

Joining Fees

Nil

Product Details

  • Reward Points are credited as Delight Points to your credit card account.
  • 750 Delight Points on first usage of the card (min transaction of Rs. 1,500) within 30 days or 400 Delight Points on first usage of the card between 31 and 90 days.
  • 3 Delight Points for every Rs. 100 spent using the card.
  • 1% fuel surcharge waiver at all filling stations across India for transactions between Rs. 400 and Rs. 5,000 (max waiver capped at Rs. 500 per month).
  • Personal air travel insurance cover worth Rs. 25 lakh.
  • Complimentary domestic airport lounge access under the Visa domestic lounge program (max 1 lounge visit per quarter).
  • Cardmember not liable for any fraudulent transaction post reporting the loss of card to the bank.
  • Up to two add-on credit cards for the cardholder’s family members. Delight Points and credit limit are shared amongst the primary and all add-on cardmembers.
  • Exclusive Visa offers on hotel reservations, car rentals, and airport shopping.

See additional details for IDBI Bank Royale Signature Credit Card

Welcome Benefits

500 delight points on spending Rs 1500 or above in the first 30 days of issuance of the card and  300 delight points on the spending of Rs 1500 or above in 31 to 90 days of the issuance of the card.

Rewards Rate

2 Delight points for every Rs 150 spent on shopping, dining, traveling

Best Suited For

Travel | Dining | Shopping |

Movie & Dining

NA

Reward Redemption

The delight points can be redeemed for a wide array of gifts vouchers providing you with lifestyle benefits. The points accumulated can be redeemed for cashback

Joining Fees

Nil

Product Details

No Description Available Here

See additional details for IDBI Aspire Platinum Credit Card

Welcome Benefits

4,000 delight points

Rewards Rate

3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

1 Delight Point = Rs. 0.25.

Joining Fees

Nil

Product Details

  • No joining fee.
  • You get 3 Delight Points on every Rs. 100 you spend using your IDBI Euphoria World Credit Card.
  • You get 6 Delight Points on every Rs. 100 you spend on Airline/hotel bookings/ Bus bookings/ IRCTC, etc.
  • Welcome gift of 4,000 Delight Points.
  • Complimentary airport lounge access.
  • Insurance cover against air accidents.
  • 1% fuel surcharge waiver up to Rs. 500 per month.
  • Spend-based renewal fee waiver.

See additional details for IDBI Euphoria World Credit Card

Top 5 Credit Cards by IDBI Bank

IDBI Bank Winnings Credit Card:  This is a premium credit card issued by IDBI Bank. With this card, you earn 2 Delight points on every Rs 100 spent on travel-related expenses. Hotels, Airlines, IRCTC, Bus Bookings. Also, you get 3 Delight points on every Rs 100 spent on other categories. Some of the key features of this credit card are mentioned below.

  •  2 Delight Points for every 100 spent using your IDBI Winnings Credit card.
  • As a sign-up bonus, you t 10% Cashback*# on all transactions with a minimum value of Rs. 500
  •  500 bonus Delight Points with just 5 transactions of value Rs. 1000 each per month as part of the welcome benefit.
  • Special accidental cover worth Rs 10 lakhs and personal disability cover Rs 10 lakhs
  • C0mplimentary domestic and international lounge access at select airports.

 

IDBI Euphoria World Credit Card: IDBI Euphoria World credit card is an entry-level card that comes with several benefits and privileges with no joining fee. With this credit card, you get a welcome benefit of 4000 delight points on the joining fee payment. Given below are some key features of the IDBI Euphoria World credit card.

  • 3 Delight Points on every Rs. 100 spent using your IDBI Euphoria World Credit Card
  • 6 Delight Points on every Rs. 100 spent on Airline/hotel bookings/ Bus bookings/ IRCTC, etc
  • Sign up bonus of 4,000 Delight Points
  • Complimentary Domestic Lounge access at select airports
  • Air Accident Insurance coverage up to Rs 25 lakhs
  • Spend based renewal fee waiver

 

IDBI Bank Royale Signature Credit Card: IDBI Bank Royale Signature credit card is a very basic card that comes with some value-added benefits and privileges. With this card, you complimentary domestic lounge access and personal accident cover of Rs 25 lakhs. Some key features of this credit card are mentioned below.

  • 3 Delight Points for every Rs. 100 you spend using the card.
  • 750 Delight Points if the first transaction of minimum Rs. 1,500 is made with 30 days of card issuance
  • Complimentary domestic airport lounge access every quarter
  • Air accident cover worth Rs 25 lakhs
  • 1% fuel surcharge waiver

 

IDBI Bank Aspire Platinum Credit Card- This card rewards you with exclusive delight points. You get upto 500 delight points on spending Rs 1500 or above in the first 30 days of the card issuance. Also, you get 300 delight points on the spending of Rs 1500 or above 31 to 90 days of the issuance of the card. Given below are some key features of the IDBI bank credit card.

  • 2 Delight points for every Rs 150, you spend on shopping, dining, traveling
  • 500 Delight points on using your credit card for transactions worth Rs 1500 or above within 30 days of card issuance.
  • 300 Delight points on using your credit card for transactions worth Rs 1500 or above within 31 to 90 days of the issuance of the card
  • 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000.

 

IDBI Bank Imperium Platinum Credit Card: The Imperium platinum credit card is a Rupay-powered credit card. The card provides you with 2 Delight points on every Rs 150 spent using this credit card. You get 500 welcome bonus points on the payment of the membership fee. Mentioned below are some key features related to IDBI Bank Imperium Platinum credit card.

  • 2 Delight points on every Rs 150 spent on shopping, watching movies, traveling, etc
  • Sign up bonus of 500 points on membership fees
  • Lost card liability cover

IDBI Bank Credit Card Rewards

Credit Cards Reward Points
IDBI Bank Royale Signature Credit Card 2 Delight Points on every Rs 100 spent 3 Delight Points for every Rs. 100 spent
IDBI Bank Euphoria World Credit Card 3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc
IDBI Bank Aspire Platinum Credit Card 2 Delight Points for every Rs. 150 spent on shopping, watching movies, traveling etc
IDBI Bank Imperium Platinum Credit Card 2 Delight points for every Rs 150 spent on shopping, dining, traveling
IDBI Bank Winnings Credit Card 2 Delight Points on every Rs 100 spent

Reward Redemption

The reward points accumulated on IDBI Bank credit cards can be redeemed at the IDBI Delight reward portal at www.idbidelight.com or Max Get More merchant outlets. 1 Reward Points is equivalent to Rs 0.25 for redemption for all IDBI Bank credit cards. You are charged with any redemption fee of Rs 100 on reward redemption  A minimum of 1000 reward points can be redeemed using your IDBI Bank credit card.

Complimentary Lounge Access

Credit Cards Domestic Lounge International Lounge
IDBI Bank Royale Signature Credit Card Complimentary domestic airport lounge access every quarter N/A
IDBI Bank Euphoria World Credit Card Complimentary domestic lounge access to selected lounges in India N/A
IDBI Bank Aspire Platinum Credit Card N/A N/A
IDBI Bank Imperium Platinum Credit Card N/A N/A
IDBI Bank Winnings Credit Card Complimentary domestic lounge access to selected lounges in India Complimentary domestic lounge access to selected lounges in worldwide

Fees and Other Charges

  Credit Card IDBI Bank Royale Signature Credit Card IDBI Bank Euphoria World Credit Card IDBI Bank Aspire Platinum Credit Card IDBI Bank Imperium Platinum Credit Card IDBI Bank Winnings Credit Card
Joining Fee Nil Nil Nil Rs. 499 Nil
Renewal Fee Nil Rs. 1,499 Nil Rs. 499 Rs. 899
Redemption Fee Rs 100 per request Rs 100 per request Rs 100 per request Rs 100 per request Rs 100 per request
Finance Charges 2.5% per month 2.9% per month 2.9% per month 2.9% per month 3.4% per month
Foreign Mark-up Fee 3.5% on the conversion amount 3.5% on the conversion amount 3.5% on the conversion amount 3.5% on the conversion amount 3.5% on the conversion amount
Cash Advance Charges 2.5% of the transaction amount, subject to a minimum charge of Rs. 500 2.5% of the cash withdrawn or Rs. 500 (whichever is higher) 2.5% on the withdrawal amount subject to minimum of Rs 500 2.5% on the withdrawal amount subject to minimum of Rs 500 2.5% on the withdrawal amount subject to minimum of Rs 500
Add-on Fee Nil Nil Nil Nil Nil

How to Apply for an IDBI Credit Card?

Step 1: You can either visit the nearest branch or you can apply through Phone Banking

Step 2: Or  you can apply through Phone Banking 

Step 3: Select the card, and complete all the required formalities.

Step 4: Information regarding your credit card shall be communicated via  SMS or mail through your registered phone number or email id.

What are the Documents Required?

Proof of Identity Proof of Address Proof of Income
  • Aadhar Card
  • PAN Card
  • Voter ID
  • Driving Licence
  • Passport
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving Licence
  • Utility bills
  • Municipal or property tax receipt
  • Rent agreement
  • For self-employed individuals - Later ITR (Income Tax Return).
  • For salaried employees - salary slip of last two months & bank statement showing salary credits

FAQs:

Delight points accumulated on your IDBI credit card are valid up to 3 years form the date of accumulation.

Yes, a reward redemption fee of Rs 100 is charged on your IDBI Bank credit card on redemption.

Yes, you can use your IDBI Bank credit card for withdrawals from ATMs. You will be charged with a cash advance of 2.5% on the withdrawal amount or a minimum charge of Rs 500.

With your IDBI Bank credit card, you get an interest free period up to 48 days.

You can contact 24×7 customer helpline number Non Toll Free 022 4042 6013 &
Toll Free – 1800 425 7600 for any assistance, queries and complaints.

No, you can not convert your delight points into cash on your IDBI credit card. However you can convert these delight points into cashback.

You can get your IDBI Bank credit card blocked/deactivated by contacting the customer care 1800 425 7600 (Toll Free) / 022 – 4042 6013.

You can convert your purchase into EMI transactions with your IDBI Bank credit card. EMI facility is provided on minimum transaction of Rs 3000 or above.

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