IDBI Euphoria World Credit Card

Rewards & cashback

• The value of 1 Delight point = 0.25 Paisa
• Users can earn 6 Delight points for every 100 rupees spent related to travel and hotel, etc
• Effective cashback rate: 1.50%
• 3 Delight Points on every other spent
• Effective cashback rate: 0.75%

Airport lounge access

• Unlimited complimentary lounge visits at participating Airport lounges in India

More benefits & features

• Air Travel Accident Insurance Cover

Fees & charges

Annual fee

₹1499 (From second year onwards)

Foreign currency markup

IFM- upto 3.5%

Interest rate

2.9% (p.m.)

Late payment

Late Payment Charges (per occasion, based on amount due): ₹500 to ₹5000 to ₹10000 to ₹20000 ₹950

Cash advance

2.5% of transaction fee or ₹500/-, whichever is higher

Fuel surcharge

1% Surcharge on Fuel transaction value or ₹10, whichever is higher. However, Fuel surcharge waiver of up to ₹100 per…

Billing cycle

30 Days

Other fees

2.5% of transaction fee or ₹500/-, whichever is higher | Rewards Points Redemption Fee: Nil

Pros and cons

Who can apply

• 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

How to apply

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

1. Check the eligibility criteria
2. The eligibility criteria for the IDBI Euphoria Credit Card are: Age: 21-60 years (salaried) or 65 years (self-employed) Minimum income: ₹25,000 per month (salaried) or ₹40,000 per month (self-employed) Good credit history
3. Gather the required documents
4. 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…
5. Apply online or offline
6. Submit your application
7. Once you have gathered the required documents, you can submit your application online or offline
8. Wait for the approval