M16S / IDBI Bank / IDBI Royale Signature Credit Card
mid · rewards, lifetime-free
IDBI Royale Signature Credit Card
The IDBI Royale Signature Credit Card charges no annual fee and no joining fee. Its base return is 0.75% (3 Delight Points per Rs 100). The forex markup is 3.5%. Lounge visits in India: 1 per quarter. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.75%
- Forex markup
- 3.5%
- Interest
- 2.5%a month
Apply on idbibank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining, annual and renewal fees nil for primary and add-on (MITC). |
Rewards
| Welcome benefitunverified | 750 Delight Points on first transaction of Rs 1,500+ within 30 days; 400 if done between day 31 and 90 (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) |
| Points expiryunverified | 3 years, excluding the month of accrual (cardinsider) |
| Reward notes | base_return_pct = 3 points per Rs 100 x Rs 0.25. MITC lists redemption fee as nil for this card; cardinsider shows Rs 99. Cardinsider's own table shows 2 per Rs 100 in one row. |
Travel and perks
| Domestic loungeunverified | 1 per quarter |
|---|---|
| Lounge conditions | Visa domestic lounge programme (cardinsider). 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). Up to 2 add-on cards. |
Charges and eligibility
| Interest per month | 2.5% |
|---|---|
| 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 up to 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 2.5% p.m. (30% p.a.). Cash limit 20% of credit limit. |
Questions
- What is the annual fee of the IDBI Royale Signature Credit Card?
- No annual fee.
- Does the IDBI Royale Signature Credit Card give airport lounge access?
- Yes. In India: 1 per quarter. Outside India: none listed. Conditions: Visa domestic lounge programme (cardinsider). No international access.
- What is the forex markup on the IDBI Royale Signature Credit Card?
- 3.5% of each foreign-currency transaction, before GST.