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IDBI Bank credit cards: 7 you can apply for

The best one for most people is IDBI Bank LIC Eclat Select.

₹9,300a year after fees, at ₹75,000 a month

It pays back the most of the 7 IDBI Bank cards open to apply that we can value.

Rank all 7 at your own spend in the card finder

Verified 4 sources

Points and where they go

IDBI Bank's main points currency is IDBI Delight Points, worth ₹0.25 a point; it does not transfer to an airline or hotel.

What IDBI Bank cards earn
ProgrammeWorth a pointCardsPartners
IDBI Delight Points₹0.257none

Values are what we think a point is worth in India.

Recent changes

All 7 IDBI Bank cards

Fees run ₹0 to ₹1,499, and 4 of them are genuinely free for life. Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 6 keep, 1 downgrade, 0 cancel.

Open to apply 7

  2. IDBI Bank Euphoria World

    ₹7,200 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.8%–1.5%

    Keep

  3. IDBI Bank Royale Signature

    ₹7,200 a year, after fees

    ₹0 fee · Lounges in India · Reward rate 0.8%

    Keep

  4. IDBI Bank LIC Lumine

    ₹7,000 a year, after fees

    ₹0 fee · Reward rate 0.8%

    Keep

  5. IDBI Bank Winnings

    ₹4,900 a year, after fees

    ₹899 fee · Lounges in India and abroad · Reward rate 0.5%

    Keep

  7. IDBI Bank Imperium Platinum

    ₹3,400 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 0.3%

    Downgrade

Filter IDBI Bank cards by fee, lounges or forex

Standard charges

The charges IDBI Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

IDBI Bank's standard charges
ChargeWhat the bank saysOur readCards
Late payment feeNil up to ₹500; ₹400 (₹501–5,000); ₹500 (₹5,001–10,000); ₹750 (₹10,001–20,000); ₹950 (above ₹20,000)4 of 7
Cash withdrawal fee2.5% of the withdrawal, min ₹5004 of 7
Add-on card feeNil — every IDBI variant prints NIL in both add-on columnsFree4 of 7
Over-limit fee2.5% of the overlimit amount, min ₹5004 of 7
Reward redemption fee₹20 per cashback redemption of 1,000–4,000 points, per the Key Fact Statement re-issued 3 Sep 2026 and the 23-Oct-2026 MITC — the product page still prints Nil5 of 7

Cards counts the IDBI Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

IDBI Bank in RBI's figures

Cards in force
51,985
0.0% of India's cards
Spent in August 2026
₹78 crore
47% of it online
Spend per card
₹14,909
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The IDBI Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official IDBI Key Fact Statement — LIC-Eclat joining, annual and renewal fees all Nil, ₹99 reward redemption fee, 3.40% a month interest, 3.5% cross-currency markup read
  2. Official IDBI's Most Important Terms and Conditions — the fee schedule with Aspire reading NIL in every fee column and ₹20 per cashback redemption of 1,000–4,000 points read
  3. Official IDBI's LIC Lumine product page — the 3 Delight Points per ₹100 rate, the welcome and milestone points, the ₹2 lakh accident cover and a fee table reading Nil on every line read
  4. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read