All cards / IDBI Bank
IDBI Royale Signature
A lifetime-free Signature-tier card with solid baseline rewards and quarterly lounge access — ideal for frequent domestic travelers.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.75%
Card network
Visa
Card tier
Mid
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1 complimentary airport lounge visit/quarter (domestic)
- 500 points on activation + 750 points on first transaction ≥₹1,500 within 30 days
Pros
- + Zero fees for life
- + Lounge access included
- + Milestone bonuses on spend
Cons
- − Modest base reward rate
- − Lounge benefit one visit/quarter only
Applying takes you to IDBI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.