IDBI Bank Winnings Credit Card
Updated 15 Apr 2026Source-linked
The IDBI Bank Winnings Credit Card is a mid credit card from IDBI Bank, with a joining fee of ₹999 + GST.
Cardholders get 4 annual domestic airport lounge access.
IDBI
IDBI Bank Winnings Credit Card
- Joining FeeFree
- Annual Fee₹999
- Best Suited ForEveryday spends
- Reward TypeDelight Points (points)
Rewards Rate
- Base rate 0.50%
Welcome Benefits
- Not applicable
IDBI Bankplatinummid
platinummidRewards and Benefits
Rewards Rate
Base 0.50% on other spends.
Reward Redemption
IDBI Delight: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,20,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- mid card issued by IDBI Bank.
- Joining / annual fee of ₹999 + GST, waived on annual spends of ₹1,20,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹1,20,000 spend.
- Complimentary domestic airport lounge access (4/annual).
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / annual. Via visa.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.idbibank.in · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.