IDBI Winnings

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, fuel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.5% base rate
• Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
• International lounge access: 2 complimentary international lounge visits per half-year
• Insurance benefits: Personal accident cover: ₹10 lakh accidental death and ₹10 lakh permanent disability

• ✈️ Travel

  2 complimentary domestic lounge visits per calendar quarter and 2 international per half-year (RuPay)

• 🛡️ Insurance

  Personal accident insurance ₹10L death + ₹10L disability

• ⛽ Fuel

  1% fuel surcharge waiver up to ₹400/month on ₹400-₹4,000

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹90,000
• Foreign currency markup: 3.5%
• Interest rate: 40.8% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹400/month on fuel transactions between ₹400 and ₹4,000
• Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST

• 2 complimentary domestic lounge visits per calendar quarter and 2 international per half-year (RuPay)
• 500 points on activation + 500 points on first transaction ≥₹1,000 within 30 days; milestones 1,000 pts at ₹1L and 1,500 pts at ₹2L annual spend
• Personal accident insurance ₹10L death + ₹10L disability
• 1% fuel surcharge waiver up to ₹400/month on ₹400-₹4,000