IDBI Bank Euphoria Credit Card
IDBI Bank
IDBI Bank Euphoria Credit Card
IDBI Bank
Annual Fee
FREE
Effective Rate
0.35%
Network
VISA
Point Value
₹0.35/pt
About IDBI Bank Euphoria Credit Card
IDBI mid-tier card with 5X RP on dining/travel/entertainment and complimentary lounge visits.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
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 | 6.65% | 665 pts≈ ₹233 |
| All other spends | 3.99% | 399 pts≈ ₹140 |
| 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.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,500/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,50,000 (ANNUAL)
Annual Fee Waiver – ₹1.5L Spend: Annual fee of ₹1,499 waived on achieving spends of more than ₹1,50,000 in the card anniversary year.
Spend ₹2,00,000 (ANNUAL)
Milestone Bonus – 1,500 Delight Points at ₹2L Spend: Earn 1,500 additional Delight Points on cumulative annual spends of ₹2,00,000.
Spend ₹4,00,000 (ANNUAL)
Milestone Bonus – 2,000 Delight Points at ₹4L Spend: Earn additional 2,000 Delight Points on cumulative annual spends of ₹4,00,000.
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.