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.

Rates and fees last verified 14 September 2026.

Annual fee

₹1,499

Joining fee

₹0

Reward type

points

Base reward rate

0.75%

Card network

Visa

Card tier

Entry

Reward rates by category

Travel1.5%

Eligibility

Minimum monthly income: ₹25,000
Employment: salaried, self-employed
Age: 21–60

Benefits

2.5% fuel surcharge waiver (max ₹500), on transactions between ₹400 and ₹5,000

Pros

+ Zero joining fee
+ 2X Delight Points (1.5% equivalent) on travel bookings
+ Annual fee waived on ₹1.5L yearly spend

Cons

− No reward points on fuel, insurance, mutual funds or government payments
− No lounge access disclosed

Apply on IDBI Bank's site

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