cards / credit / idbi bank / idbi-mastercard-world-credit-card
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§ BENEFITS
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 5,000
1% waiver
Complimentary Domestic Lounge Access
8 complimentary domestic airport lounge visits per quarter
8 per quarter
Complimentary International Lounge Access
4 complimentary international airport lounge visits per quarter via Priority Pass
4 per quarter
Accelerated Reward Points
Earn 5 reward points per Rs 100 on international, travel
5 RP per Rs 100
Air Accident Cover
Comprehensive air accident insurance coverage when ticket is booked using the card
Rs 25 Lakh
Annual Fee Waiver
Annual fee waived on spending Rs 5 Lakh annually
Fee waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- —
- Age
- 21 – 60
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹200
- Other bank free / month
- 0
- Other bank charge
- ₹200
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3.5% of txn
† min ₹500
§ 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
- ₹150
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹25,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- IDBI Reward Points
- Earn rate
- 5 RP per Rs 100 on international spends
- Point value
- ₹0.3
- Effective cashback
- 1.50%
- Min redemption
- 1,000 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
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IDBI Bank and earns no commission on applications.