All Cards
visaworldcredit
IDBI Euphoria World Credit Card
IDBI Bank
travelshopping
Annual Fee
₹1,499
Joining Fee
Nil
Base Reward
3% points
Foreign Markup
3.5% on all foreign currency transactions
Fee Waiver
Waived on ₹1.5L annual spend
Interest Rate
2.9% per month
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
Rewards
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.
Redemption
1 Delight Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 6%(6 Delight Points per ₹100 spent on travel bookings) | No cap |
other | 3%(3 Delight Points per ₹100 spent) | No cap |
Benefits & Features
Domestic: Complimentary domestic lounge access International: NA Complimentary airport lounge access at several participating lounges in India.
Fees & Charges
Annual Fee₹1,499
Joining FeeNil
Fee WaiverWaived on ₹1.5L annual spend
Foreign Markup3.5% on all foreign currency transactions
Interest Rate2.9% per month
Cash Advance2.5% of the cash withdrawn or ₹500 (whichever is higher)
Redemption Fee₹99
Eligibility
Min Age
21 years
Max Age
65 years
Available Networks
visa
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