M16S / IDBI Bank / IDBI Euphoria World Credit Card
mid · rewards, travel
IDBI Euphoria World Credit Card
The IDBI Euphoria World Credit Card costs Rs 1,499 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.75% (3 Delight Points per Rs 100). Accelerated earn: 6 Delight Points per Rs 100 on airline, hotel, bus and IRCTC bookings (cardinsider). The forex markup is 3.5%. Lounge visits in India: Complimentary at select domestic lounges; count not stated. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 1,499+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 0.75%
- Forex markup
- 3.5%
- Interest
- 2.9%a month
Apply on idbibank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 1,499 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Joining fee nil. Annual fee Rs 1,499 from year 2, waived on minimum spends of Rs 1,50,000 in the preceding year (MITC). Add-on free. |
Rewards
| Welcome benefitunverified | 4,000 Delight Points on first transaction of Rs 1,500+ within 60 days (cardinsider) |
|---|---|
| Reward currency | Delight Points |
| Base earnunverified | 3 Delight Points per Rs 100 |
| Base returnunverified | 0.75% |
| Point valueunverified | 1 Delight Point = Rs 0.25 (cardinsider) |
| Accelerated earnunverified | 6 Delight Points per Rs 100 on airline, hotel, bus and IRCTC bookings (cardinsider) |
| Points expiryunverified | 3 years, excluding the month of accrual (cardinsider) |
| Reward notes | base_return_pct = 3 points per Rs 100 x Rs 0.25; travel categories 1.5%. Minimum 4,000 points for cashback, 1,000 for other redemptions (cardinsider). MITC lists redemption fee as nil; cardinsider shows Rs 99. |
Travel and perks
| Domestic loungeunverified | Complimentary at select domestic lounges; count not stated |
|---|---|
| Lounge conditions | Aggregator only; visit count not published. No international access. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400 to Rs 5,000, capped at Rs 500 per month |
| Other freebiesunverified | Air accident cover Rs 25 lakh (cardinsider). |
Charges and eligibility
| Interest per month | 2.9% |
|---|---|
| Late payment fee | Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher; interest from transaction date |
| Eligibilityunverified | Aggregator: resident Indian, salaried 21-60 or self-employed 21-65 |
| Fine-print notes | MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 2.9% p.m. (34.8% p.a.). Cash limit 15% of credit limit. Network taken from the 'World' tier name; not stated in documents read. |
Questions
- What is the annual fee of the IDBI Euphoria World Credit Card?
- Rs 1,499 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the IDBI Euphoria World Credit Card give airport lounge access?
- Yes. In India: Complimentary at select domestic lounges; count not stated. Outside India: none listed. Conditions: Aggregator only; visit count not published. No international access.
- What is the forex markup on the IDBI Euphoria World Credit Card?
- 3.5% of each foreign-currency transaction, before GST.