IDBI Royale Signature

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, dining. It's a lifetime-free card with no fee to track.

• Rewards rate: 0.75% base rate
• Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter via the Visa domestic lounge programme
• Insurance benefits: ₹25 lakh air accident cover and zero lost-card liability

• ✈️ Travel

  1 complimentary airport lounge visit per calendar quarter (domestic, via Visa)

• 🛡️ Insurance

  ₹25 lakh air accident insurance cover

• ⛽ Fuel

  1% fuel surcharge waiver (max ₹500/month) on ₹400-₹5,000 transactions

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹30,000
• Employment: salaried, self-employed
• Age: 21–60

• Foreign currency markup: 3.5%
• Interest rate: 30% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations, capped at ₹500/month
• Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST

• 1 complimentary airport lounge visit per calendar quarter (domestic, via Visa)
• 500 points on activation + 750 points on first transaction ≥₹1,500 within 30 days; milestones 1,500 pts at ₹2L and 2,000 pts at ₹4L annual spend
• ₹25 lakh air accident insurance cover
• 1% fuel surcharge waiver (max ₹500/month) on ₹400-₹5,000 transactions