cards / credit / idbi bank / idbi-euphoria-world-credit-card
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§ BENEFITS
Welcome Benefit - Delight Points
Earn 4,000 Delight Points on first transaction of Rs 1,500 or more within 60 days of card issuance.
4,000 DP
Accelerated Rewards on Travel
Earn 6 Delight Points for every Rs 100 spent on travel bookings including flights, hotels, and holiday packages.
6 DP per Rs 100
Reward Points on Hotel & IRCTC
Earn 3 Delight Points for every Rs 100 spent on hotel bookings, IRCTC train tickets, and bus bookings.
3 DP per Rs 100
Reward Points on Other Spends
Earn 2 Delight Points for every Rs 150 spent on all other merchant categories.
2 DP per Rs 150
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000 at all fuel stations across India. Maximum waiver of Rs 500 per statement cycle.
1% waiver up to Rs 500/month
Air Travel Accident Insurance
Comprehensive air travel accident insurance cover of Rs 25 Lakh when flight tickets are booked using the IDBI Euphoria World Credit Card.
Rs 25 Lakh
Interest-Free Credit Period
Enjoy up to 48 days of interest-free credit period on all retail transactions.
Up to 48 days
Global Merchant Acceptance
Accepted at over 9 Lakh merchants across India and 29 million merchants worldwide through the Visa network.
9 Lakh+ India, 29M+ global
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- —
- Age
- 21 – 65
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- APR (monthly)
- 2.90% p.m.
- APR (annual)
- 34.80% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Plus applicable GST
† Plus applicable GST from second year
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹300
- Other bank free / month
- 0
- Other bank charge
- ₹300
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3% of txn
† min ₹300
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹500
- Networks
- Indian Oil, Bharat Petroleum, Hindustan Petroleum, Reliance Petroleum, Shell
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- IDBI Delight Points
- Earn rate
- 6 DP per Rs 100 on travel, 3 DP per Rs 100 on hotel/IRCTC/bus
- Point value
- ₹0.25
- Effective cashback
- 1.50%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Per quarter
- International
- Per quarter
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹1,500 per visit
† value ₹3,000 per visit
§ SIMILAR CARDS
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