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IDBI Bank Winnings Credit Card

Name: IDBI Bank Winnings Credit Card
Brand: IDBI Bank
Price: 899 INR
Availability: InStock

IDBI Bank

Joining FeeLifetime FreeRenewal Fee₹899Waived at ₹90,000 annual spend

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Last verified: 26 Sept 2026

Reward Program

Delight Points1 point = ₹0.25

Redemption fee: 0

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Managed via IDBI Delight

Transfer partners

1 Delight Point = ₹0.25, published in IDBI's Imperium Credit Card FAQ.Redemption is free — IDBI's MITC states the reward redemption fee is nil for all card variants.Delight Points CANNOT be redeemed after card closure, irrespective of the balance held.

Live Offers

45 active

MakeMyTrip10% off up to ₹3,750 on International Flights on MakeMyTrip (min ATV ₹15,000)

10% offIDBIINTCC

MakeMyTrip20% off up to ₹3,750 on International Hotels on MakeMyTrip (min ATV ₹11,250)

20% offIDBIINTCC

Reliance Digital5% Instant Discount up to ₹3,500 at Reliance Digital (min purchase ₹10,000)

5% off

MakeMyTrip20% off up to ₹3,000 on Domestic Hotels on MakeMyTrip (min ATV ₹8,000)

20% offIDBICC

Adani OneFlat 25% off up to ₹2,500 on International Hotels on Adani One (MOV ₹7,500)

25% offIDBISUITE

View all 52 offers

Benefits

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Lounge Access

2 domestic visits/quarter

1 international visits/quarter

2 complimentary lounge visits per calendar quarter at participating airport lounges in India, plus 2 per calendar half-year at participating lounges outside India — recorded as 1 a quarter internationally for comparability.

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Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 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	₹899/yr
Fee Waiver	Spend ₹90,000/year
Forex Markup	3.5%
Interest Rate	40.8% p.a.
Cash Advance Fee	2.5% of the transaction amount or ₹500, whichever is higher.
Reward Redemption Fee	0

In the News

Priya Menon · 9d ago

IDBI Winnings Review 2026: The Only IDBI Card With International Lounge Access

IDBI Winnings costs ₹899, waived on ₹90,000. It is the only IDBI card with international lounge access — but carries the range's highest interest rate at 3.40% a month. Full review.

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