IDBI Bank
IDBI Euphoria World Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
3% points
Foreign Markup
3.5% on all foreign currency transactions
Welcome Benefits
4,000 Delight Points on making an eligible transaction
Product Highlights
- No joining fee
- 4,000 Delight Points welcome gift
- Complimentary airport lounge access
- Insurance cover against air accidents
- 1% fuel surcharge waiver up to ₹500 per month
Category Rewards
travel
6 Delight Points per ₹100 spent on travel bookings
6X
Specialty
3 Delight Points per ₹100 spent
3X
Fee Waiver
Waived on ₹1.5L annual spend
Reward Calculator
Earns ₹2,250/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
9K
Delight Reward Points
₹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 bucketsSurcharges & 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
You earn 3 Delight Points for every ₹100 spent, and 6 Delight Points for every ₹100 spent on airlines, hotel bookings, bus bookings, and IRCTC.
- 1 Delight Point = ₹0.25
Benefits & Features
Domestic: Complimentary domestic lounge access International: NA Complimentary airport lounge access at several participating lounges in India.
Pros & Cons
Pros
- Earn 3 Delight Points on every ₹100 spent
- 6 Delight Points on airline/hotel/bus bookings
- Complimentary domestic lounge access
- Insurance coverage against air accidents
Cons
- No international lounge access
- Redemption fee of ₹99
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Waived on ₹1.5L annual spend