IDBI Bank Royal Credit Card
IDBI Bank
IDBI Bank Royal Credit Card
IDBI Bank
Annual Fee
FREE
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About IDBI Bank Royal Credit Card
IDBI super-premium card with unlimited lounge access, concierge service and premium rewards.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Domestic Lounge Access
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleInternational Lounge via Priority Pass
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelMay require existing banking relationship or invitation
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 16.65% | 1665 pts≈ ₹1,665 |
| All other spends | 3.33% | 333 pts≈ ₹333 |
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
Unlimited Domestic Lounge Access
Unlimited complimentary domestic lounge access via DreamFolks
~₹24,000/yr value
International Lounge via Priority Pass
6 complimentary international lounge visits per year
~₹12,000/yr value
Complimentary Golf Rounds
4 complimentary golf rounds per month at premier courses
~₹20,000/yr value
24/7 Concierge Service
Round-the-clock concierge for travel, dining, and lifestyle bookings
~₹6,000/yr value
Comprehensive Travel Insurance
Air accident cover ₹1 Cr, overseas medical cover
~₹8,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Milestone Bonus – 1,500 Delight Points at ₹2L Spend: Earn 1,500 additional milestone Delight Points on achieving cumulative net annual spends of ₹2,00,000 in a card year.
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 Royal Credit Card.
Ready to apply for IDBI Bank Royal 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.