cards / credit / idbi bank / idbi-royale-signature-credit-card
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§ BENEFITS
Welcome Benefit - Delight Points
Earn 750 Delight Points on first card usage within 30 days of card issuance, or 400 Delight Points if first usage is between 31-90 days of issuance.
750 DP (within 30 days) / 400 DP (31-90 days)
Reward Points on All Spends
Earn 3 Delight Points for every Rs 100 spent on the card across all merchant categories.
3 DP per Rs 100
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
Domestic Airport Lounge Access
Complimentary access to domestic airport lounges across India through the Visa Airport Lounge Program.
4 visits per quarter
Air Travel Accident Insurance
Comprehensive air travel accident insurance cover of Rs 25 Lakh when flight tickets are booked using the IDBI Royale Signature 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
Add-On Cards
Get up to 2 complimentary add-on credit cards for eligible family members with shared credit limits.
2 add-on cards
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- —
- Min monthly salary
- —
- Age
- 21 – 65
- Min credit score
- —
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 2.50% p.m.
- APR (annual)
- 30.00% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Lifetime Free
† Lifetime Free 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%
† + 2.5% 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
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- IDBI Delight Points
- Earn rate
- 3 DP per Rs 100 on all spends
- Point value
- ₹0.25
- Effective cashback
- 0.75%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹1,500 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.