IDBI Bank Euphoria Credit Card
IDBI Bank
Annual / renewal fee
- Annual Fee - Main card (from second year onwards): ₹1499/- (will be waived on minimum spends of ₹1,50,000/- in preceding year).
- Annual fee - add-on card: Nil.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Earn rate
Earn 6 Delight points for every ₹100 spent on travel related expenses (Hotels, Airlines, IRCTC, and Bus Bookings) or 3 Delight points on every other spend.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Euphoria Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Joining Fee - Primary / Add-on Card: Nil.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Annual / renewal fee
- Annual Fee - Main card (from second year onwards): ₹1499/- (will be waived on minimum spends of ₹1,50,000/- in preceding year).
- Annual fee - add-on card: Nil.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Fee waiver
Annual fee of ₹1499/- will be waived on minimum spends of ₹1,50,000/- in the preceding year.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Renewal fee
- ₹0 (NIL) renewal fee for primary and add-on card.
- Annual add-on card fee NIL.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Rewards
Earn 6 Delight points for every ₹100 spent on travel related expenses (Hotels, Airlines, IRCTC, and Bus Bookings) or 3 Delight points on every other spend.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM IST
Redemption value
- Delight points can be redeemed against a wide range of handpicked gifts and souvenirs or as cash back in your account.
- Points expiry: points credited to customers expire in 3 years.
- Points credited under a campaign or promotional offer expire in 1 year.
- Reward Redemption Fee: Nil.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Reward exclusion
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Travel & lounge
Lounge access
- Free lounge access at select airports in India (Mastercard India Lounge Program).
- No matter which airline or class you fly, the Euphoria Card offers use of select airport lounge facilities in India.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Travel benefit
Wider acceptance: card usable at over 9 lakh merchant establishments in India and over 29 million merchant establishments abroad.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
4000 Delight points on your first transaction of minimum ₹1500 within 60 days of receiving your card.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Insurance
- Comprehensive Air Travel Accident Insurance Cover worth ₹25 lacs.
- For a claim to be accepted for processing, there should be a minimum of 2 purchase transactions within 90 days prior to event date.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Milestone benefit
- EMI Facility: convert purchases of ₹3000/- and above into Equated Monthly Installments over 3, 6, 9 or 12 months at nominal interest rates (13% p.a.).
- Qualifying spend threshold: ₹3000 per transaction.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Eligibility
Eligibility
- Add-on (Family) cards can be gifted to family members above 18 years.
- For new cards issued on or after October 01, 2022, the cardholder must activate the card within 30 days.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Charges & interest
Forex markup
Cross currency mark-up of 3.5% over and above the cross-currency conversion rate for all international transactions.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Charge
- Charges (Schedule of Fees & Charges effective April 13, 2023 unless noted): Finance/Service charge (interest on revolving credit) 2.90% p.m. (34.80% p.a.).
- Interest on cash advances 2.90% p.m. (34.80% p.a.).
- Cash Advance Transaction Fee 2.5% of transaction amount or ₹500 whichever is higher.
- Foreign Currency Conversion / Cross Currency Mark up 3.5%.
- Late Payment Charges by statement balance: <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
- Over limit Fee 2.5% of over limit amount subject to minimum ₹500.
- Cheque/Auto Debit Return Charges ₹500.
- Cash Deposit Charges at IDBI Bank Branches towards Credit Card payment ₹200.
- Duplicate Statement Request ₹100 per statement (more than 03 months old).
- Card Replacement Fee ₹200.
- EMI Rate of Interest 13% p.a. (tenures 3,6,9,12,18,24,30,36 months).
- EMI Conversion Fees Nil.
- EMI Foreclosure Fees Nil.
- Reward Redemption Fee Nil.
- Card Account Closure Charges Euphoria - Nil.
- Charges on Purchase or Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
- Balance Transfer facility currently not provided.
- All fees and charges exclusive of applicable GST.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Fuel surcharge waiver
- Complete waiver of 2.5% fuel surcharge on transactions of ₹400 - ₹5000 across all fuel stations.
- Maximum waiver of ₹500 per month (service tax applicable).
- Schedule (effective April 13, 2023) states waiver for transaction value min ₹400, max up to ₹5000, maximum waiver ₹500 per month.
VerifiedCard Usage Guide / Rewards & Program Terms – Euphoria Credit Card2 Aug 2026, 7:40 AM ISTIDBI Bank
Interest-free period
- Interest free credit of up to 48 days on purchases (range 18 to 48 days, subject to scheme and merchant claim submission).
- Not applicable if previous month's balance is not cleared in full or if cash was availed from ATM.
VerifiedMITC – IDBI Bank Credit Cards (covers Euphoria)2 Aug 2026, 7:40 AM ISTIDBI Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Euphoria Credit Card?
Officially traced: Annual Fee - Main card (from second year onwards): Rs.1499/- (will be waived on minimum spends of Rs.1,50,000/- in preceding year).
MITC – IDBI Bank Credit Cards (covers Euphoria)What is the joining fee on the Euphoria Credit Card?
Officially traced: Joining Fee - Primary / Add-on Card: Nil.
MITC – IDBI Bank Credit Cards (covers Euphoria)Is the Euphoria Credit Card annual fee ever waived?
Annual fee of Rs.1499/- will be waived on minimum spends of Rs.1,50,000/- in the preceding year.
MITC – IDBI Bank Credit Cards (covers Euphoria)How does the Euphoria Credit Card earn rewards?
Earn 6 Delight points for every Rs.100 spent on travel related expenses (Hotels, Airlines, IRCTC, and Bus Bookings) or 3 Delight points on every other spend.
Card Usage Guide / Rewards & Program Terms – Euphoria Credit CardWhat lounge access does the Euphoria Credit Card include?
Free lounge access at select airports in India (Mastercard India Lounge Program).
Card Usage Guide / Rewards & Program Terms – Euphoria Credit CardWhat welcome benefit does the Euphoria Credit Card offer?
4000 Delight points on your first transaction of minimum Rs.1500 within 60 days of receiving your card.
Card Usage Guide / Rewards & Program Terms – Euphoria Credit CardWhat are the transfer ratios for Euphoria Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idbi.bank.in/euphoria-credit-card.aspx.
VerifiedEuphoria Credit Card product page2 Aug 2026, 7:40 AM ISTIDBI Bank
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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