IDBI Bank Royale Signature Credit Card
IDBI Bank
Annual / renewal fee
Rs. NIL (Annual Fees - Primary Card from 2nd year onwards: NIL).
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Earn rate
3 Delight Points for every ₹100 spent using the IDBI Bank Royale Signature Credit Card.
VerifiedRoyale Signature Credit Card product page2 Aug 2026, 11:55 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
Royale Signature Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Rs. NIL (Joining Fee - Primary / Add on Card: NIL).
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Annual / renewal fee
Rs. NIL (Annual Fees - Primary Card from 2nd year onwards: NIL).
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Fee waiver
- No annual/joining/renewal fee to waive for Royale (all NIL).
- Reward Redemption Fee Nil.
- EMI Conversion Fees Nil.
- EMI Foreclosure Fees Nil.
- Card Account Closure Charges NIL for Royale.
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Renewal fee
Rs. NIL (Renewal Fees - Primary / Add on Card: NIL; Annual Fee - Add-on Card: NIL).
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Rewards
3 Delight Points for every ₹100 spent using the IDBI Bank Royale Signature Credit Card.
VerifiedRoyale Signature Credit Card product page2 Aug 2026, 11:55 AM IST
Redemption value
- Delight Points earned on add-on cards are clubbed with primary card points and can be redeemed as per the higher eligibility.
- Points credited to customers expire in 3 years.
- Points credited under a campaign or promotional offer expire in 1 year.
- Reward Redemption Fee (Royale): Nil.
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Reward exclusion
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
750 bonus Delight Points on first transaction of ₹1,500 or more within 30 days of card activation (threshold ₹1,500; window 30 days).
VerifiedRoyale Signature Credit Card product page18 Aug 2026, 11:37 AM ISTIDBI Bank
Insurance
- Air Travel Accident Insurance Cover of up to ₹25 lakhs for Royale Signature Credit Card customers.
- Zero Loss Liability with cover up to ₹5,00,000 on fraudulent transactions on lost/stolen card when reported within 48 hours.
VerifiedRoyale Signature Credit Card product page18 Aug 2026, 11:37 AM ISTIDBI Bank
Milestone benefit
- 1,500 bonus Delight Points on net annual spends of ₹2 lakhs.
- And 2,000 bonus Delight Points on net annual spends of ₹4 lakhs.
VerifiedRoyale Signature Credit Card product page18 Aug 2026, 11:37 AM ISTIDBI Bank
Eligibility
Eligibility
- Add-on Royale Signature Credit Card available for family members above 18 years (up to two add-on cards).
- Delight Points and credit limit shared between primary and add-on cardholders.
- Cash withdrawal limit up to 20% of the Credit Limit with a maximum daily withdrawal limit of ₹15,000.
VerifiedRoyale Signature Credit Card product page18 Aug 2026, 11:37 AM ISTIDBI Bank
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Charge
- Cash Advance Transaction Fee: 2.5% of transaction amount or ₹500 whichever is higher.
- Finance/Service Charge (Royale): Interest on Revolving Credit 2.50% p.m. (30.00% p.a.) and Interest on Cash Advances 2.50% p.m. (30.00% p.a.).
- 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.
- Late Payment Charges (per statement balance): <=₹500 Nil.
- >₹500 to <=₹5000 ₹400.
- >₹5000 to <=₹10000 ₹500.
- >₹10000 to <=₹20000 ₹750.
- >₹20000 ₹950.
- International transaction mark-up 3.5%.
- Balance Transfer Fees: 1.5% of BT amount or ₹199 whichever is higher.
- Reward Redemption Fee (Royale): Nil.
- Card Account Closure Charges (Royale): NIL.
- Charges on Purchase or Cancellation of IRCTC Tickets: As Prescribed by IRCTC/Indian Railways.
- Foreign transactions in Nepal and Bhutan not valid for foreign currency.
- All charges effective from April 13, 2023.
- Exclusive of GST.
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Fuel surcharge waiver
Fuel Surcharge Waiver - Yes: 1% fuel surcharge refunded for transaction value minimum ₹400, maximum up to ₹5000, maximum waiver of ₹500 per month.
VerifiedMITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)18 Aug 2026, 11:37 AM ISTIDBI Bank
Interest-free period
Up to 18 to 48 days interest-free credit period (subject to scheme; not applicable if previous month's balance not cleared in full or if cash advance availed).
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers Royale variant)18 Aug 2026, 11:37 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 Royale Signature Credit Card?
Officially traced: NIL (Annual Fees - Primary Card from 2nd year onwards: NIL).
MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)What is the joining fee on the Royale Signature Credit Card?
Officially traced: NIL (Joining Fee - Primary / Add on Card: NIL).
MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)Is the Royale Signature Credit Card annual fee ever waived?
No annual/joining/renewal fee to waive for Royale (all NIL).
MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature)How does the Royale Signature Credit Card earn rewards?
3 Delight Points for every Rs. 100 spent using the IDBI Bank Royale Signature Credit Card.
Royale Signature Credit Card product pageWhat welcome benefit does the Royale Signature Credit Card offer?
750 bonus Delight Points on first transaction of Rs. 1,500 or more within 30 days of card activation (threshold Rs. 1,500.
Royale Signature Credit Card product pageWhat are the transfer ratios for Royale Signature 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/royal-credit-card.aspx.
VerifiedRoyale Signature Credit Card product page18 Aug 2026, 11:37 AM ISTIDBI Bank
Verified 2026-08-18 · 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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