M16S / IDBI Bank / IDBI Winnings Credit Card (RuPay Select)
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IDBI Winnings Credit Card (RuPay Select)
The IDBI Winnings Credit Card (RuPay Select) costs Rs 899 a year, waived if you spend Rs 90,000 in a year. Its base return is 0.5% (2 Delight Points per Rs 100). Accelerated earn: 4 Delight Points per Rs 100 in birthday month (cardinsider). The forex markup is 3.5%. Lounge visits in India: 2 per quarter (8 per year). Abroad: 4 per year. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 899+ GST
- Fee waived at
- Rs 90,000annual spend
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.4%a month
Apply on idbibank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 899 |
| Annual spend that waives the fee | Rs 90,000 |
| Fee notes | Joining fee nil. Annual fee Rs 899 from year 2, waived on minimum spends of Rs 90,000 in the preceding year (MITC). |
Rewards
| Welcome benefitunverified | 10% cashback up to Rs 500 on transactions within 90 days of card receipt (cardinsider) |
|---|---|
| Reward currency | Delight Points |
| Base earnunverified | 2 Delight Points per Rs 100 |
| Base returnunverified | 0.5% |
| Point valueunverified | Not stated for Winnings; Rs 0.25 per point on other IDBI Delight cards |
| Accelerated earnunverified | 4 Delight Points per Rs 100 in birthday month (cardinsider) |
| Milestone benefitsunverified | 500 bonus Delight Points for 5 transactions of Rs 1,000 each in a month (cardinsider; its wording varies) |
| Reward notes | base_return_pct assumes Rs 0.25 per point (2 x 0.25 per Rs 100). MITC lists redemption fee nil; cardinsider shows Rs 99. |
Travel and perks
| Domestic loungeunverified | 2 per quarter (8 per year) |
|---|---|
| International loungeunverified | 4 per year |
| Lounge conditions | Aggregator figures; RuPay lounge programme. Conditions not detailed. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 400 per month |
| Other freebiesunverified | Accidental death and permanent disability cover up to Rs 10 lakh each (RuPay). |
Charges and eligibility
| Interest per month | 3.4% |
|---|---|
| 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 |
| 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 3.4% p.m. (40.8% p.a.), high for a bank card. Cash limit 15%. |
Questions
- What is the annual fee of the IDBI Winnings Credit Card (RuPay Select)?
- Rs 899 a year, before GST. It is waived if you spend Rs 90,000 in a year.
- Does the IDBI Winnings Credit Card (RuPay Select) give airport lounge access?
- Yes. In India: 2 per quarter (8 per year). Outside India: 4 per year. Conditions: Aggregator figures; RuPay lounge programme. Conditions not detailed.
- What is the forex markup on the IDBI Winnings Credit Card (RuPay Select)?
- 3.5% of each foreign-currency transaction, before GST.