Euphoria Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
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%.
Movie Benefits
Dining Benefits
Other Benefits
Users will enjoy interest-free credit of up to 48 days.; Fuel surcharge waiver.; Air travel accident insurance coverage can be availed.; Zero card lost liability.
Lounge Access
Fees & Charges
Joining Fee
(Primary / Add-on Card): Nil
Annual Fee
Rs. 1499 (From second year onwards)
Cash Advance Fee
2.5% of transaction fee or Rs. 500/-, whichever is higher�
Interest rate
2.9% (p.m.) i.e. 34.80% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions mark- up 3.5%
Other Fees
Cash Advance Transaction Fee: 2.5% of transaction fee or Rs. 500/-, whichever is higher | Rewards Points Redemption Fee: Nil
दोष
No international lounge access facility is available.
No cashback back rewards are available.
No welcome benefit.
Reward System: 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%.
Users will enjoy interest-free credit of up to 48 days.
Fuel surcharge waiver.
Air travel accident insurance coverage can be availed.
Unlimited complimentary lounge visits at participating Airport lounges in India.
Zero card lost liability.
No reward redemption fees.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Call on our Phone Banking numbers - Toll Free -
1800 425 7600
Non Toll Free -
022 4042 6013(24x7 service)
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: 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%.
Users will enjoy interest-free credit of up to 48 days.
Fuel surcharge waiver.
Air travel accident insurance coverage can be availed.
Unlimited complimentary lounge visits at participating Airport lounges in India.
Zero card lost liability.
No reward redemption fees.
No international lounge access facility is available.
No cashback back rewards are available.
No welcome benefit.
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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