IDBI Bank Euphoria World Credit Card
IDBI Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 1.5% | No cap |
| All other spends | 0.75% | No cap |
Redemption fee: 0
Managed via IDBI Delight
Transfer partners
Live Offers
45 activeIDBIINTCCIDBIINTCCIDBICCIDBISUITEBenefits
Lounge Access
3 domestic visits/quarter
0 international visits/quarter
12 complimentary lounge visits per calendar year at participating airport lounges in India — an annual entitlement, recorded here as 3 a quarter for comparability. IDBI does not restrict them to a per-quarter allowance.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per month. IDBI sets both the transaction ceiling and the monthly cap per variant, from ₹300 a month on Aspire and LIC Lumine to ₹500 on Royale Signature, Euphoria World and LIC Eclat.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | ₹1,499/yr |
| Fee Waiver | Spend ₹1,50,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 34.8% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
