IDBI Bank Royale Signature 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 Delight Points
First-year fee
₹0
NilAnnual fee
₹0
NilWhat it gives back
3 Delight Points per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining feeAnnual feeRenewal feeAdd-on card fee
₹0Nil
Welcome offer
Welcome benefit
500 bonus delight points on card activation.
Rewards
Reward rate
3 Delight Points per ₹100 · everyday spends3 Delight Points for every ₹100 spent.
Reward caps
Fuel surcharge waiver maximum of ₹500 per month
Card benefits
Domestic lounge access
1 complimentary lounge visit per calendar quarter at participating Airport Lounges in India.
Hotel or travel programme
Exclusive offers on airport shopping, hotel, car rentals etc. provided for VISA Signature cardholders
Concierge
Travel concierge services provided by VISA.
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 Royale Signature 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
Upto 2 add-on cards for your family members; add-on card holder should be 18 years and above
Balance transfer terms
Minimum amount ₹3000, processing fee 1.5% of BT amount or ₹199, whichever is higher
Purchase to EMI conversion
Minimum amount ₹3000, interest rate 13% per annum, tenure options 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.
Cash advance interestInterest on unpaid balance
2.5% (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 for cheque or auto debit return.
Statement or duplicate statement fee
₹100 for a duplicate physical statement request more than 03 months old.
Card replacement fee
₹200
Cash payment / cash deposit fee
₹200 cash processing charge
EMI conversion fee
Processing and foreclosure fees: 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.
Reward redemption fee
Nil
GST note
Applicable Indirect Taxes including Goods and Services Tax (GST) would be recovered on all our fees and charges and any other amount liable to tax under prevailing Indirect Tax
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
Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16
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
₹0 for life
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