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IDBI Bank

IDBI Bank Winnings 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

Nil

Annual fee

₹899 a year.

Rs. 899 (From second year onwards)

What it gives back

2 Delight Points per ₹100 · everyday spends

Read from 5 IDBI Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹899 annual fee: of the 273 other open cards whose annual fee we have read, 163 state a lower one and 110 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

  • Annual fee

    ₹899 a year.Rs. 899 (From second year onwards)

  • Joining feeAdd-on card fee

    ₹0Nil

  • Fee waiver rule

    On spends of more than ₹90,000/- in a year.

Welcome offer

  • Welcome benefit

    500 bonus delight points on card activation.

Rewards

  • Reward rate

    2 Delight Points per ₹100 · everyday spends2 Delight Points for every ₹100 spent.

  • Reward caps

    Fuel surcharge waiver maximum of ₹400 per month

Card benefits

  • Lounge benefit

    IDBI Bank Winnings Credit Card offe₹2 complimentary lounge visits per calendar quarter at participating Airport Lounges in India and 2 complimentary lounge visits per calendar half year at participating Airport Lounges outside India.

  • International lounge access

    2 complimentary lounge visits per calendar half year at participating Airport Lounges outside India.

  • Milestone benefits

    1,000 points on net annual spends of ₹1 lakhs; 1,500 points on net annual spends of ₹2 lakhs.

Also included

  • Fuel surcharge waiver

    Waiver of 1% fuel surcharge every time you fill fuel using IDBI Bank Winnings RuPay Select card across all fuel stations for transactions in the range of ₹400 to ₹4000.

  • Insurance benefit

    Accidental death: cover of ₹10.00 lakh in case of loss of life due to accident; permanent disability: cover of ₹10.00 lakh in case of permanent disability due to accident.

  • 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

    3.4% (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/ Latest IT Return//Form 16.

In the terms, not the brochure

  • 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.

  • What must be paid with the card for the cover to apply

    Personal accident insurance cover: age 18 years to 70 years; one successful financial or non-financial transaction at any channel in the last 90 days prior to the incident.

How we know

5 documents from IDBI Bank, checked 19 Oct 2026.

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₹899 a year

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