IDBI Bank Euphoria Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns points
First-year fee
₹0
NilAnnual fee
₹1,499 a year.
Rs. 1499 (From second year onwards)What it gives back
6 Delight Points for every 100 you spend on travel related expenses (hotels, airlines, IRCTC, bus bookings); 3 Delight Points on every other spend.
How it compares
Compared with the cards we have read
Fees
Annual fee
₹1,499 a year.Rs. 1499 (From second year onwards)
Joining feeAdd-on card fee
₹0Nil
Fee waiver rule
On spends of more than ₹1,50,000/- in a year.
Welcome offer
Welcome benefit
500 bonus delight points on card activation.
Rewards
Reward rate
6 Delight Points for every 100 you spend on travel related expenses (hotels, airlines, IRCTC, bus bookings); 3 Delight Points on every other spend.
Travel earning
6 Delight Points for every 100 you spend on travel related expenses viz.
Card benefits
Domestic lounge access
12 complimentary lounge visits per calendar year at participating Airport Lounges in India.
Concierge
Travel concierge services provided by MasterCard.
Milestone benefits
1,500 points on net annual spends of ₹2 lakhs; 2,000 points on net annual spends of ₹4 lakhs.
Also included
Fuel surcharge waiver
Waiver of 1% fuel surcharge every time you fill fuel using IDBI Bank World Card across all fuel stations for transactions in the range of ₹400 to ₹5000.
Air accident cover
Air travel accident insurance cover worth ₹25 lakhs.
Lost card liability
Any fraudulent transaction after reporting the loss will be covered by the Bank.
Add-on card eligibility
You may apply for upto 2 add-on cards for your family members; add-on card holder should be 18 years and above
Balance transfer terms
Balance Transfer facility is currently not provided by the Bank.
Purchase to EMI conversion
Minimum amount ₹3000, interest 13% per annum, tenure 3, 6, 9 or 12 month
Charges
Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of transaction fee or ₹500/-, whichever is higher.
Interest on unpaid balance
2.9% (p.m.)
Interest-free period
Interest free credit of up to 48 days
Late payment fee
Nil to ₹950
Over-limit fee
2.5% of over limit amount, subject to minimum of ₹500
Payment return or dishonour fee
₹500
Statement or duplicate statement fee
₹100 (More than 03 months old)
Card replacement fee
₹200
Cash payment / cash deposit fee
₹200 cash deposit charges at IDBI Bank Branches towards Credit Card payment.
EMI conversion feeReward redemption fee
Nil
Foreign ATM fee
At IDBI Bank or other ATMs in India and overseas: 2.5% of the transaction amount or ₹500 whichever is higher.
GST note
Charges are exclusive of applicable GST
Grace days after the due date
Grace days of 3 days is allowed from the payment due date on credit card accounts where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by IDBI Bank at its sole discretion; MAD = 5% of (Retail Spends + Cash Advance) + 100% of Fees/Charges + 100% of Interest / Finance Charges + EMI amount + GST
Eligibility
Minimum age
21 years to 60 years (65 years for self-employed)
Documents required
ID Proof: Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card; Residence Proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card; Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16; Recent Photograph
Residency
Should be a resident of India.
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
If the Total Amount Due of the previous month is not paid by the payment due date the Free Credit Period will be lost and there will not be any interest-free period.
How we know - 5 documents from IDBI Bank, checked 19 Oct 2026
₹1,499 a year
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