HomeCredit CardsIDBI Bank Royale Signature Credit Card
IDBI Bank Royale Signature Credit Card

IDBI Bank

IDBI Bank Royale Signature Credit Card

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Annual Fee

Lifetime Free

Base Reward

3% points

Foreign Markup

3.5% of the transaction amount

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4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

750 Delight Points if the first transaction of minimum ₹1,500 is made within 30 days of card issuance or 400 Delight Points if the first transaction of minimum ₹1,500 is made between 31 and 90 days of card issuance.

Product Highlights

  • 3 Delight Points per ₹100 spent
  • 750 Delight Points on first usage of the card (min transaction of ₹1,500) within 30 days
  • 1% fuel surcharge waiver at all filling stations across India for transactions between ₹400 and ₹5,000 (max waiver capped at ₹500 per month)
  • Up to two add-on credit cards for family members at no extra cost.

Reward Calculator

Earns ₹2,250/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹25K

across all your buckets

Points / yr

9K

Delight Reward Points

Best worth

₹2.3K

via standard · ₹0.25/pt

Effective rate

0.75%

Annual fee

FREE

Year 1 net

+₹2,250

Year 2+ net

+₹2,250

ongoing

Adjust your spend by reward bucket

1 buckets
0.75%All spends
₹25,000/mo
Earns 750 delight reward points / mo≈ ₹188 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 3 Delight Points for every ₹100 spent using the card. Delight Points can be redeemed on the IDBI Delights portal for cashback, merchandise, flight tickets, mobile recharges, hotel reservations, gift cards, movie tickets, etc.

Reward Points — Redemption Value
  • Delight Points redeemable on the IDBI Delights portal.

Benefits & Features

Domestic: 1 complimentary domestic airport lounge access every quarter. (Visa domestic lounge program.) 1 complimentary lounge access at domestic airports across India under the Visa Domestic Lounge program.

Pros & Cons

Pros

  • No annual fee
  • Complimentary domestic lounge access
  • Personal air accident cover worth ₹25 lakh
  • 3 Delight Points for every ₹100 spent

Cons

  • No international lounge access
  • Redemption fee of ₹99 + GST

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeNil
Foreign Markup3.5% of the transaction amount
Interest Rate2.5% per month
Cash Advance2.5% of the transaction amount, subject to a minimum charge of ₹500.
Redemption Fee₹99 + GST

Eligibility

Min Age

21 yrs

Networks

visa