If you’re into getting some pretty cool rewards for the money you spend, an IDBI Bank Credit Card might just put a smile on your face. IDBI Bank has a range of options, like most banks do, for credit cards that suit a variety of lifestyles.

Just because you have a ton of options on credit cards doesn’t mean you need to apply to every single one. If you apply to a card and get denied, it negatively affects your credit score. That is why it is best to settle down one evening and write out what you are looking from a credit card.

Once you determine what you are looking from a credit card, you can better filter all those options out there. Our editors have focused on the IDBI Bank’s Rupay Credit Card. This one is realy good if you want bonuses. But before you make any kind of decision, read through the details and decide if this card is fit for your lifestyle and your bank account.

Looking for a credit card that has generous cash back and reward points? Then take advantage of IDBI Bank Credit Card. Here's how to apply:

What are the Fees for the IDBI Bank Credit Card?

IDBI Bank currently offers five credit cards. Each card caters to different people with unique requirements and financial capacity. Each of these also has its own exclusive set of perks and benefits. You can select from the entry-level IDBI Bank Winnings RuPay Select to the premier IDBI Bank Royale Signature Credit Card. For this article, let’s highlight the basic IDBI Bank Winnings RuPay Select.

IDBI Bank Winnings RuPay Select Credit Card is perfect for your daily purchases. Let’s get into some of the advantages of using this card. Upon receiving your card, the bank will immediately give you a 10% cashback as it’s a welcome gift. You can avail of this privilege when you use the card with a minimum of INR500 within 90 days from the receipt of the card.

Moreover, you can make purchases without interest for 48 days after receiving the card.

You are also entitled to get 500 Delight points which can be converted into cash-backs, discounts or freebies. You can earn this if you use the card in five transactions at a minimum value of INR1,000. What’s more, the bank also gives a generous birthday gift. On your birthday month, you can double your Delight points.

What’s more, you can get more perks like 1% cash back whenever you gas up. You can also get other privileges like personal accident insurance coverage, zero liability when you lost your card, and airport lounge access. If you think you might just want to apply for an IDBI Bank Winnings RuPay Select, you can find out the details of how to apply below.

What are the Fees for the IDBI RuPay?

Each IDBI Bank Credit Card has its unique list of fees and interest rates. For IDBI Bank Winnings RuPay Select, you need to pay an annual fee of INR899 and cash advance fee of 2.5% of the total transacted amount or INR300, whichever is higher. A late payment fee of INR0 to INR750 depending on your monthly bill.

This card also has an annual interest of 3.4%. To get right down to the gist of it,  you might really like the IDBI Bank Credit Card if you’re a frequent spender and you want to get rewards and privileges for the money you are already spending.

IDBI Bank

How to Apply for the IDBI Bank Credit Card

You can order the IDBI Bank Credit Card by filling out the online forms in the bank’s website. You also need to submit a copy of a proof of Identity (21-60 years old). The bank will also request you to submit a proof that you are currently residing in India and a proof of income like payslips and bank statements.

If your application is approved, you will be given a credit limit of around INR50,000. This can go higher or lower depending on your financial capacity and credit score.

How to Contact 

Head office 

IDBI Bank Ltd. IDBI Tower, WTC Complex

Cuffe Parade, Colaba, Mumbai 400005.

Telephone: 00 91 22 6693 7000

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.