IDBI Bank Winnings
Keep₹899 buys eight domestic lounge visits and four international ones. Almost nothing else does.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 500 Delight Points on card activation plus 500 more on a first transaction of ₹1,000 or more within 30 days — 1,000 points, worth ₹250
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹8,000 a month
At ₹8,000 a month — ₹96,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against a fee of ₹0 — the ₹899 is waived, the spend having cleared ₹90,000 a year = ₹500 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #78
Why #78 Eight domestic and four international lounge visits for ₹899 is the cheapest international access on the board — the 0.5% earn and a 40.8% APR are what keep it out of the top half.
The take
Read the lounge row twice, because it is the entire case for this card: two complimentary visits every calendar quarter at participating lounges in India, and two more every calendar HALF-YEAR at participating lounges outside India, both on RuPay's programme. That is eight domestic and four international visits a year, for ₹899 — nothing in the first year at all, since IDBI charges no joining fee — and the fee disappears entirely above ₹90,000 of annual spend, which is ₹7,500 a month. International lounge access at that price does not exist anywhere else on this board. Everything after that is ordinary and some of it is bad. The earn is 2 Delight Points per ₹100 at IDBI's own ₹0.25 a point: 0.5%, with fuel, insurance, tax, government and even railway MCCs excluded from accrual entirely. Delight Points buy catalogue goods, vouchers, recharges and portal flight and hotel bookings — no airline programme, no hotel programme, no transfer of any kind. Forex is the full 3.5%, so this is not the card you carry into the lounge you just entered abroad. And the interest rate is the worst on IDBI's shelf by a distance: 3.40% a month, 40.80% a year, against 2.50% on the Royale. Pay it in full, use the lounges, ignore the points.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹899/yr at stake · 5 spend bands
The charge ₹899/yr
The waiver ₹90,000 of spend in the year before renewal — about ₹7,500 a month — and the renewal fee is not charged.
Break-even ₹8,000 a month — ₹96,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹2,000 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,400 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,300 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹17,500 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹28,800 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
IDBI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 2 lounge visits per quarter in India AND 2 per half-year outside India, on RuPay's programme
- No joining fee — the ₹899 starts in year two, and vanishes above ₹90,000 of annual spend
- 1,000 welcome Delight Points: 500 on activation, 500 on a first ₹1,000 transaction inside 30 days
- Milestones of 1,000 points at ₹1,00,000 and 1,500 more at ₹2,00,000 of annual spend
- ₹10,00,000 personal accident cover, a concierge line, and no reward-redemption fee
Watch out
- 3.40% a month — 40.80% a year — is the highest APR on IDBI's shelf; the Royale charges 2.50%
- 0.5% earn: 2 Delight Points per ₹100 at ₹0.25 apiece, and the points reach no airline or hotel
- 3.5% forex markup, so the international lounge visits are the only reason to take it abroad
- Fuel, insurance, tax, government AND railway MCCs earn nothing at all
- Delight Points expire 36 months after accrual, and the first redemption needs 1,000 of them
- Cash withdrawals are capped at 15% of your credit limit, with a ₹15,000 daily ceiling
What these points actually fly
No live transfer route takes IDBI Delight Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
12 sourced rules · 3 pay zero
- Fuel · excluded Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹400 a month
- Insurance · excluded Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it
- Government / tax · excluded Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223
Does your spend count toward the fee waiver?
not published — and we say which
₹90,000 a year is the bar that waives the ₹899 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. IDBI Bank states what the IDBI Bank Winnings earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹90,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
17 of 793 tracked doors
Gate: Quarters are NOT calendar quarters: IDBI runs them 15th-to-15th — Jan 15–Apr 15, Apr 15–Jul 15, Jul 15–Oct 15, Oct 15–Jan 15
Opens 17 of 793 tracked lounge doors across 10 airports , via RuPay — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
IDBI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IDBI Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
One Key Fact Statement covers IDBI's whole seven-variant shelf. Winnings is Nil to join — primary and add-on — and ₹899 only "from 2nd year onwards", waived on ₹90,000 of spend in the preceding year. Cash withdrawal is capped at 15% of the credit limit, ₹15,000 daily cap. Cheque or auto-debit return ₹500; card replacement ₹200; duplicate statement ₹100 for anything over three months old; balance transfer 1.5% or ₹199, whichever is higher. Minimum amount due is 5% of the total, min ₹200. Interest-free period 18–48 days. Its 3.40%/mo is the joint-highest rate on IDBI's seven-variant shelf, against 2.50% on Royale — on a card whose entire case is eight domestic and four international lounge visits. Fuel surcharge waiver 1% on ₹400–₹5,000 transactions, capped at ₹400 a month (Royale, Euphoria and LIC Eclat get ₹500). IDBI publishes NO income or age criterion for any card variant — not on the product page, not in the KFS, not in the MITC — so the eligibility rows here are honestly empty rather than borrowed from a sibling bank's shelf.
per the official IDBI Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against IDBI Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — 2 Delight Points per ₹100, 2 lounge visits a quarter in India and 2 a half-year outside it via RuPay, ₹899 from year two waived above ₹90,000
- official IDBI Key Fact Statement — Winnings joining Nil, annual ₹899 waived at ₹90,000, 3.5% cross- currency markup, 3.40% a month interest
- official IDBI credit-card MITC — the Delight Points clause, its 3-year expiry and the MCC annexure that excludes fuel, insurance, tax, government and railway spend from accrual
- official RuPay's participating-lounge list, which IDBI links from the Winnings page as the lounge network