IDBI Bank Winnings Credit Card
IDBI Bank
IDBI Bank Winnings Credit Card
IDBI Bank
Annual Fee
FREE
Effective Rate
1.00%
Network
RUPAY
Point Value
₹1.00/pt
About IDBI Bank Winnings Credit Card
IDBI entry RuPay card with cashback on grocery, utility and fuel spends. UPI linking supported.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleFraud Protection
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelReward rates may vary by spend category
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 | 5% | 500 pts≈ ₹500 |
| All other spends | 2% | 200 pts≈ ₹200 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Fraud Protection
Zero liability on lost card fraud
~₹1,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver
~₹1,500/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹90,000 (ANNUAL)
Annual Fee Waiver – ₹90K Spend: Annual fee of ₹899 waived on achieving spends of more than ₹90,000 in the card anniversary year.
Spend ₹1,00,000 (ANNUAL)
Milestone Bonus – 1,000 Delight Points at ₹1L Spend: Earn 1,000 additional Delight Points on cumulative annual spends of ₹1,00,000.
Spend ₹2,00,000 (ANNUAL)
Milestone Bonus – 1,500 Delight Points at ₹2L Spend: Earn additional 1,500 Delight Points on cumulative annual spends of ₹2,00,000.
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 Winnings Credit Card.
Ready to apply for IDBI Bank Winnings 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.