All cards / IDBI Bank
IDBI Winnings
A balanced mid-tier RuPay card with decent lounge frequency and insurance coverage — strong for moderate spenders.
Rates and fees last verified 19 July 2026.
Annual fee
₹899
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2 complimentary airport lounge visits/quarter (domestic)
- Personal Accident Insurance ₹10L
- 1% fuel surcharge waiver up to ₹400/month
Pros
- + Free first year (no joining fee)
- + 2 lounge visits/quarter
- + ₹10L accident insurance
Cons
- − Annual fee ₹899 from year 2
- − Needs ₹90K spend to waive
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.