All cards / IDBI Bank
IDBI Bank Euphoria World Credit Card
A no-joining-fee IDBI Bank card with double 'Delight Points' on travel bookings (hotels, airlines, IRCTC, buses) and a spend-waivable ₹1,499 annual fee, though loyalty points are excluded on fuel, insurance, mutual fund and government payment categories.
Annual fee
₹1,499
Joining fee
₹0
Reward type
points
Base reward rate
0.75%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.75% base rate
- Travel: 6 Delight Points per ₹100 on travel (hotels, airlines, IRCTC, bus), 3 points per ₹100 on other spends; air accident cover ₹25 lakh
- Domestic lounge access: 12 complimentary domestic airport lounge visits per calendar year (Mastercard)
- Insurance benefits: ₹25 lakh air accident cover and zero lost-card liability
Benefits by category
- ✈️ Travel
1.5% reward rate · 12 complimentary domestic airport lounge visits per calendar year (Mastercard)
- 🛡️ Insurance
₹25 lakh air accident insurance cover
- ⛽ Fuel
1% fuel surcharge waiver (max ₹500/month) on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3.5%
- Interest rate: 34.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver (max ₹500/month) on transactions between ₹400 and ₹5,000
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 500 Delight Points on activation + 750 points on first transaction of ₹5,000+ within 30 days; milestones 1,500 pts at ₹2L and 2,000 pts at ₹4L annual spend
- 12 complimentary domestic airport lounge visits per calendar year (Mastercard)
- ₹25 lakh air accident insurance cover
- 1% fuel surcharge waiver (max ₹500/month) on transactions between ₹400 and ₹5,000
Pros
- + Zero joining fee
- + Double Delight Points on travel bookings (6 vs 3 per ₹100, about 1.5% value)
- + 12 complimentary domestic lounge visits a year and ₹25 lakh air accident cover
- + Annual fee waived on ₹1.5L yearly spend
Cons
- − No reward points on fuel, insurance, mutual funds or government payments
- − ₹1,499 annual fee from the second year unless ₹1.5L is spent