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Euphoria Credit Card

Product Details
Credit Card Name : 

Euphoria Credit Card

Bank Name :


Type :

Travel Credit Card

Interest Rate : 

2.9% (p.m.) i.e. 34.80% p.a.

Eligibility :

Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
Add-on card holder should be 18 years and above
Should be a resident of India

Euphoria Credit Card
  • Customers can can earn reward points on spend on travel related expenses viz. Hotels, Airlines, IRCTC, Bus Bookings etc. and users can earn Points on every other spent, which can be redeemed against a wide range of handpicked gifts.  

  • Enjoy interest free credit of up to 48 days. 

  • Fuel surcharge waiver available.  

  • Air Travel Accident Insurance Cover can be availed. 

  • Airport lounge access facility available. 

  • Globally accepted card. 

  • Zero card lost liability. 

  • No reward redemption fees.

  • No international lounge access facility available. 

  • No cashback back rewards available.  

  • No Welcome benefit

Pros & Cons
Welcome Benefits


Rewards System
  • 1 Reward Point value = 0.25 Paisa.  

  • Can earn 6 Delight Points for every 100 rupees spent related to travel and hotel, etc. 

  • Earn 3 Delight Points on every other spent

  • Effective Cashback Rate: 2.25%

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features

Air Travel Accident Insurance Cover

Eligibility Criteria

Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
Add-on card holder should be 18 years and above
Should be a resident of India

  • Earn 6 Delight Points for every Rs. 100 spent on travel-related expenses: You will earn 6 Delight Points for every Rs. 100 you spend on travel-related expenses, such as air tickets, hotel bookings, and train tickets. 

  • 1% fuel surcharge waiver: You will get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000. This means that you can save money on your fuel expenses. 

  • Complimentary airport lounge access: You will get complimentary access to one airport lounge per quarter. This will allow you to relax and freshen up before your flight. 

  • Air travel accident insurance cover of Rs. 25 lakh: The card comes with an air travel accident insurance cover of Rs. 25 lakh. This means that your family will be compensated in the event of your death or permanent disability due to an air travel accident. 

  • Zero liability protection: In case your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card. 

  • Rewards program: You will earn Delight Points on every purchase you make with your card. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Check the eligibility criteria. 

  • The eligibility criteria for the IDBI Euphoria Credit Card are:  Age: 21-60 years (salaried) or 65 years (self-employed) Minimum income: INR 25,000 per month (salaried) or INR 40,000 per month (self-employed) Good credit history 

  • Gather the required documents. 

  • The required documents are:  A recent passport-size photograph Proof of identity (any of the following): Voter ID, passport, driving license, PAN card, Aadhaar card Proof of residence (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of income (any of the following): Latest 3 months' salary slip, latest 3 months bank statement, income tax returns (ITR)/Form 16 

  • Apply online or offline. 

  • You can apply for the card online through the IDBI Bank website or offline by visiting any IDBI Bank branch.  

  • Submit your application. 

  • Once you have gathered the required documents, you can submit your application online or offline.  

  • Wait for the approval. 

  • The bank will review your application and let you know the status within a few days.  

  • If your application is approved, you will receive the card within 7-10 working days.

Contact Details

Call on our Phone Banking numbers - Toll Free -
1800 425 7600
Non Toll Free -
022 4042 6013(24x7 service)

Account Opening and Procedure
IDBI Bank Euphoria Credit Card

The IDBI Bank Euphoria Credit Card is a suitable option for moderate spenders who value a general rewards program, fuel surcharge waiver, and accident insurance. The welcome bonus, airport lounge access (with minimum spend), and other benefits provide some value. However, the lower reward rate compared to premium cards, limited redemption options, lower point value, limited airport lounge access, and network limitation might discourage those seeking higher rewards, diverse redemption options, wider network coverage, or consistent airport lounge access.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fee - (Primary / Add-on Card): Nil 

  • Annual Fee – (Primary Card): Rs. 1499 (From second year onwards) 

  • Cash Advance Transaction Fee: 2.5% of transaction fee or Rs. 500/-, whichever is higher 

  • Interest Rate: 2.9% (p.m.) 

  • Late Payment Charges (per occasion, based on amount due):< = Rs. 500 – Nil > Rs.500 to <= Rs. 5000 – Rs.400 > Rs.5000 to < = Rs. 10000 - Rs.500 > Rs.10000 to < = Rs. 20000 - Rs.750 > Rs.20000 – Rs.950 

  • Foreign Currency Transactions mark- up 3.5% 

  • Rewards Points Redemption Fee: Nil

Fuel Surcharge

Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)

Billing Cycle

30 Days

Fees & Charges
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