cards / credit / idbi bank / idbi-winnings-credit-card
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§ BENEFITS
Flat 10% Cashback Welcome Benefit
Get flat 10% cashback on all transactions of Rs 500 or more, up to a maximum of Rs 500, within 90 days of card issuance.
10% cashback up to Rs 500
Reward Points on All Spends
Earn 2 Delight Points for every Rs 100 spent across all merchant categories in India and abroad.
2 DP per Rs 100
Domestic Airport Lounge Access
Complimentary access to domestic airport lounges across India through the Visa Airport Lounge Program.
6 visits per quarter
International Airport Lounge Access
Complimentary access to international airport lounges worldwide through the Visa and LoungeKey programs.
4 visits per quarter
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs 4,000 and Rs 5,000 at all fuel stations across India.
1% waiver on Rs 4,000-Rs 5,000
Accidental Death Cover
Accidental death insurance cover of Rs 10 Lakh for cardholders aged 18-70 who have used the card for at least one transaction in the last 90 days.
Rs 10 Lakh
Interest-Free Credit Period
Enjoy up to 48 days of interest-free credit period on all retail transactions.
Up to 48 days
Global ATM Access
Access cash from 1.88 million ATMs globally through the Visa network, both in India and abroad.
1.88 million ATMs globally
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹3,00,000
- Min monthly salary
- —
- Age
- 21 – 65
- Min credit score
- 675
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- ₹899
- APR (monthly)
- 3.40% p.m.
- APR (annual)
- 40.80% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Nil
† 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
- ₹4,000
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- 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
- 2 DP per Rs 100 on all spends
- Point value
- ₹0.2
- Effective cashback
- 0.40%
- 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
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.