IDBI Bank Winnings Credit Card
IDBI Bank
Annual / renewal fee
- ₹899 (from 2nd year onwards).
- Waived on minimum spends of ₹90,000 in preceding year.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Earn rate
- 2 Delight Points for every ₹100 spent.
- Double Delight Points during birthday month.
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM 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
Winnings 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).
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Annual / renewal fee
- ₹899 (from 2nd year onwards).
- Waived on minimum spends of ₹90,000 in preceding year.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Fee waiver
Annual fee of ₹899 will be waived on minimum spends of ₹90,000 in preceding year.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Renewal fee
Rs. NIL (Renewal Fees - Primary / Add-on Card).
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Rewards
- 2 Delight Points for every ₹100 spent.
- Double Delight Points during birthday month.
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM IST
Redemption value
- Reward Redemption Fee: Nil (for all card variants).
- Points credited to customers have an expiry period of 3 years.
- Points credited under a campaign or promotional offer expire in 1 year only.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Reward cap
- Points expiry: points credited to customers expire in 3 years.
- Points credited under a campaign/promotional offer expire in 1 year.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Reward exclusion
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM ISTIDBI Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Welcome gift of 10% cash back on a single transaction above ₹500 done within 90 days of card receipt (spend threshold: single transaction above ₹500; window: 90 days of card receipt).
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM ISTIDBI Bank
Concierge
Personal Concierge Services via toll free 1800-26-78729: Golf Course Reservation Assistance, Car Rental Reservation Assistance, Hotel Referral and Reservation Assistance, Dining Referral and Reservation Assistance, IT Return Assessment and Filing Assistance, Investment/Insurance Consultancy.
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM ISTIDBI Bank
Insurance
- Personal Accident cover: Accidental Death cover of ₹10.00 lakh and Permanent Disability cover of ₹10.00 lakh.
- Criteria: Age 18 to 70 years.
- One successful financial or non-financial transaction at any channel in the last 90 days prior to the incident.
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM ISTIDBI Bank
Milestone benefit
- 500 bonus delight points on first transaction of ₹1,000 or more within 30 days of card activation.
- 1,000 points on net annual spends of ₹1 lakh.
- 1,500 points on net annual spends of ₹2 lakh.
VerifiedWinnings Credit Card product page2 Aug 2026, 12:35 PM ISTIDBI Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Cross Currency Mark up of 3.5% on all international transactions.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Charge
- Schedule of Fees & Charges effective April 13, 2023: Interest on Revolving Credit Facility 3.40% p.m. (40.80% p.a.).
- Interest on Cash Advances 3.40% p.m. (40.80% p.a.).
- Cash Advance Transaction Fee 2.5% of transaction amount or ₹500 whichever is higher.
- 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 ₹200.
- Duplicate Statement Request ₹100 per statement (more than 03 months old).
- Card Replacement Fee ₹200.
- EMI Rate of Interest 13% p.a.
- EMI Conversion Fees Nil.
- EMI Foreclosure Fees Nil.
- Foreign Currency Conversion Charges Cross Currency Mark up of 3.5%.
- Reward Redemption Fee Nil.
- Card Account Closure Charges NIL for Winnings.
- Charges on Purchase or Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
- All fees and charges exclusive of applicable GST.
VerifiedIDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]2 Aug 2026, 12:35 PM ISTIDBI Bank
Fuel surcharge waiver
- Complete waiver of 1% fuel surcharge across all fuel stations for transactions in the range of ₹400 - ₹4000.
- Maximum waiver of ₹400 per month.
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM ISTIDBI Bank
Interest-free period
Free credit for up to 48 days on purchases (interest free credit period ranges 18 to 48 days depending on transaction date).
VerifiedIDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)2 Aug 2026, 12:35 PM 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 Winnings Credit Card?
Officially traced: Rs. 899 (from 2nd year onwards).
IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]What is the joining fee on the Winnings Credit Card?
Officially traced: NIL (Joining Fee - Primary / Add-on Card).
IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]Is the Winnings Credit Card annual fee ever waived?
Annual fee of Rs. 899 will be waived on minimum spends of Rs. 90,000 in preceding year.
IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings]How does the Winnings Credit Card earn rewards?
2 Delight Points for every Rs. 100 spent.
IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)What welcome benefit does the Winnings Credit Card offer?
Welcome gift of 10% cash back on a single transaction above Rs. 500 done within 90 days of card receipt (spend threshold: single transaction above Rs. 500.
IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms)What are the transfer ratios for Winnings 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
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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