Federal BankThe IDBI Bank Winnings RuPay Select Credit Card is an entry-level credit card offered by the IDBI Bank. It comes with no joining fee and lets you earn 500 delight points and above in a month. Being an entry-level card, it has covered travel and insurance benefits, too, which makes it worth consideration. You also get four complimentary international lounge access and eight domestic lounge access in a year with the IDBI Winnings RuPay Credit Card. With this card, you get a chance to earn double delight points on all spendings in your birthday month.
Keep reading to know more about this card’s offerings and features.
IDBI Winnings RuPay Select Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
NA
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.
Reward Redemption
Redeem delight points for making payments for dining, shopping, utility bills, holidays, gifts and entertainment.
Travel
Get complimentary access to both domestic and international airport lounges.
Golf
NA
Domestic Lounge Access
2 complimentary access to domestic lounges each quarter
International Lounge Access
4 complimentary access to international lounges each year
Insurance Benefits
Covers accidental death insurance and permanent disability up to Rs.10 lakhs each.
Zero Liability Protection
Covers zero liability protection in case of card loss/theft.
Spend Based Waiver
The renewal fee will be waived off on spending Rs. 90,000 in the previous year.
Rewards Redemption Fee
Rs. 99
Rewards Redemption Fee
Rs. 99
Foreign Currency Markup
3.50%
Interest Rates
3.40% p.m.
Fuel Surcharge
1% fuel surcharge waived at all petrol pumps across India on transactions between Rs. 400 - Rs. 4000. The maximum waiver of fuel surcharges is Rs. 400 per month.
Cash Advance Charges
2.50% or a minimum of Rs. 500
Add-on Card Fee
Nil
- 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.
IDBI Bank Winnings RuPay Select Credit Card Features and Benefits
Welcome Benefits
- On IDBI Bank Winnings RuPay Select Credit Card, you get 10% cashback up to Rs. 500 on all transactions done within 90 days of the card issuance as a welcome benefit.
- The cashback offer is only applicable when the joining fee is paid.
Spends on UPI
You can easily make UPI spends with the IDBI Bank Winnings RuPay Select Credit. Link your RuPay Credit Card with the UPI app of your choice and start making payments with a click of a button.
Insurance Benefits
- The IDBI Bank covers accidental death insurance up to Rs. 10,00,000 on IDBI Bank Winnings RuPay Select Credit Card.
- It also covers accidental permanent disability insurance up to Rs. 10,00,000.
Other Benefits
- The IDBI Bank Winnings RuPay Select Credit Card covers zero liability protection in case of an unfortunate event of card loss/theft.
- Even reporting the loss/theft of the card, if any fraudulent transaction happens, then the bank will cover the loss.
IDBI Bank Winnings RuPay Select Credit Card Rewards
- The IDBI Bank allows you to earn 500 delight points or more on making 5 eligible transactions worth Rs. 1000 per month.
- You can also earn 2 delight points on every other Rs. 100 spent on this card.
- On IDBI Bank Winnings RuPay Select Credit Card, you get doubled delight points during your birthday month. This means you will get 4 delight points on every Rs. 100 spent in the birthday month.
Reward Redemption
The accumulated reward points on the IDBI Bank Winnings RuPay Select Credit Card can be redeemed towards dining, shopping, utility bills, holidays, gifts, and entertainment.
IDBI Bank Winnings RuPay Select Credit Card Review
The IDBI Bank Winnings RuPay Select Credit Card certainly comes with a good reward base rate. It is best suited for first-time credit card users. On shopping with this card, you earn two delight points per Rs. 100 spend. It makes it easier for you to redeem your accumulated delight points towards making payments for utility bills, dining, shopping, entertainment, etc. Other than this, on accidental death or permanent disability, this card covers Rs. 10 lakhs for each. Moreover, with this card, you get zero liability protection in case of card loss/theft. Anyone can vouch for this card. On spending Rs. 90,000 in the previous year, the renewal fee will be reversed to the credit cardholder’s account.
If you’re an existing IDBI Bank Winnings RuPay Select Credit Card member, do let us know your experience in the comment section.
FAQs:
The IDBI Bank provides complimentary access to both domestic and international lounges on IDBI Bank Winnings RuPay Select Credit Card.
With IDBI Bank Winnings RuPay Select Credit Card you get a grace period of 48 days on all purchases.
To get an IDBI Winnings RuPay Select Credit Card issued to add-on members they must be of 18 years or above.
You can apply for IDBI Bank Winnings RuPay Select Credit Card either by calling on 1800 425 7600 / 022 4042 6013 or you can visit the nearest bank’s branch.
You are required to submit one ID Proof (Aadhaar card/ Voter Id/ Passport/ Driving License/ PAN Card), Residence Proof (Electricity Bill/ Telephone Bill/ Aadhaar Card), Income proof (Latest 3 months’ salary slip/3 months bank statement/ IT Return/ Form 6) and recent photograph to get this credit card issued.
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