About IDBI Bank Euphoria Credit Card

IDBI mid-tier card with 5X RP on dining/travel/entertainment and complimentary lounge visits.

Best For

publicInternational travelersperson_addFirst-time cardholders

Pros & Cons

thumb_upPros

check_circleZero forex markup on international transactions
check_circleLifetime free — no annual fee ever

thumb_downCons

cancelPoints redemption catalog may limit flexibility

Reward Earning Structure

Each point is worth ₹0.35 — an effective return of 0.35% on spend.

Category	Earn Rate	Per ₹10,000 Spent
All other spends	1.33%	133 pts≈ ₹47

Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the IDBI Bank rewards portal. Redemption value may vary by option.

Fees & Charges

Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the IDBI Bank website.

Annual Fee	Lifetime Free
Forex Markup	0% (Zero Markup)
Interest Rate (APR)	Refer to KFS
Late Payment Charges	Refer to KFS
Cash Advance Fee	Refer to KFS

Eligibility & Documents Required

Eligibility Criteria

checkAge: 18–70 years (primary cardholder)
checkMinimum annual income: As per bank norms
checkCIBIL score: 750+ recommended
checkEmployment: Salaried or self-employed Indian resident

Documents Required

descriptionPAN Card (mandatory)
descriptionAadhaar / Passport / Voter ID (address proof)
descriptionSalary slips — last 3 months (salaried)
descriptionLatest ITR or Form 16 (self-employed / salaried)
descriptionBank statements — last 3 months
descriptionPassport-size photograph

Frequently Asked Questions

Common questions about IDBI Bank Euphoria Credit Card.

Ready to apply for IDBI Bank Euphoria Credit Card?

Apply directly on the IDBI Bank website. Most decisions within 7–10 working days.

Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.

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