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Royale Signature Credit Card

Product Details
Credit Card Name : 

Royale Signature Credit Card

Bank Name :


Type :

Lifestyle Credit Card

Interest Rate : 

2.5% per month i.e. 30.00% p.a.

Eligibility :

Resident of India and should be in the age bracket of 21 years to 60 years (65 years for self-employed).
The add-on card holder should be 18 years and above.

Royale Signature Credit Card
  • Enjoy interest free credit of up to 48 days 

  • Fuel surcharge waiver option available. 

  • Provides an air travel accident insurance cover worth Rs. 25 lakhs. 

  • Domestic airport lounge access facility available. 

  • Globally accepted card. 

  • Zero lost card liability. 

  • Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. 

  • Add-on card facility available.

  • No international lounge access facility available. 

  • No cashback back rewards available.

Pros & Cons
Welcome Benefits
  • Welcome gift of 750 Delight Points on first usage of the card within 30 days days or 400 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is Rs. 1,500.

Rewards System
  • 1 Reward Point value = 0.25 Paisa.  

  • 3 Points for every Rs. 100 Spent. 

  • Effective Cashback Rate: 0.75%

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features

Get rewards on all spends without restrictions.

Eligibility Criteria

Resident of India and should be in the age bracket of 21 years to 60 years (65 years for self-employed).
The add-on card holder should be 18 years and above.

  • Interest-free period of up to 48 days: You can enjoy an interest-free period of up to 48 days on your purchases. This means that you can pay for your purchases later without having to pay any interest. 

  • Welcome bonus of 750 Delight Points: You will get a welcome bonus of 750 Delight Points on the first usage of the card within 30 days. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more. 

  • 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. 

  • 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. 

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

  • You can apply for the card online through the IDBI Bank website. To do this, follow these steps:  

  • Go to the IDBI Bank website and click on the "Credit Cards" tab. 

  • Click on the "Apply for a Credit Card" button. 

  • Select the "Royale Signature Credit Card" from the list of cards. 

  • Enter your personal details and contact information. 

  • Upload the required documents. 

  • Submit your application.  

  • 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
Royale Signature Credit Card

The IDBI Bank Royale Signature Credit Card is a tempting option for high-flying spenders and frequent travelers who value unlimited airport lounge access, comprehensive travel insurance, and top-tier rewards across most categories. The generous welcome bonus, fuel surcharge waiver, complimentary add-on cards, and movie ticket benefits add further value. However, the hefty annual fee, limited network, limited redemption options, and potentially lower point value might not be ideal for moderate spenders or those seeking wider network coverage, diverse benefits, or the highest possible point value redemption.

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

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

  • Annual Fee – (Primary Card / Add-on Card): Nil 

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

  • Interest on Cash Advance; 2.5% (p.m.) 

  • Late Payment Fess (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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