IDBI Bank
IDBI Winnings RuPay Select Credit Card
Annual Fee
₹1,061₹899 + GSTBase Reward
2% points
Foreign Markup
3.50%
Welcome Benefits
10% cashback up to ₹500 on all transactions done within 90 days of receiving the card
Product Highlights
- No joining fee
- Double delight points during birthday month
Category Rewards
Specialty
2 delight points on every ₹100 spent
2X
Fee Waiver
Renewal fee waived on spending ₹90,000 in the previous year
Reward Calculator
Earns ₹1,500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
Delight Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.50%
Annual fee
FREE
Year 1 net
+₹1,500
Year 2+ net
+₹1,500
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
Earn 500 delight points or more on making 5 transactions worth ₹1,000 per month. Earn 2 delight points on every ₹100 spent on this card. Double delight points during birthday month.
- Redeem delight points for making payments for dining, shopping, utility bills, holidays, gifts, and entertainment.
Benefits & Features
Domestic: 8 complimentary visits per year (2 complimentary access to domestic lounges each quarter) International: 4 complimentary visits per year Complimentary access to both domestic and international lounges.
Pros & Cons
Pros
- 10% cashback up to ₹500 on transactions within 90 days
- Earn 2 delight points on every ₹100 spent
Cons
- Annual fee of ₹899 + GST
- Limited to RuPay network
Additional Info
Zero liability protection in case of card loss/theft
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
Renewal fee waived on spending ₹90,000 in the previous year