IDBI Winnings RuPay Select Credit Card
IDBI Bank
Annual Fee
₹899
Joining Fee
NIL
Base Reward
2% points
Foreign Markup
3.50%
Fee Waiver
Renewal fee waived on spending ₹90,000 in the previous year
Interest Rate
3.40% per month
Welcome Benefits
10% cashback up to ₹500 on all transactions done within 90 days of receiving the card
Product Highlights
- No joining fee
- Double delight points during birthday month
Rewards
Earn 500 delight points or more on making 5 transactions worth ₹1,000 per month. Earn 2 delight points on every ₹100 spent on this card. Double delight points during birthday month.
Redemption
Redeem delight points for making payments for dining, shopping, utility bills, holidays, gifts, and entertainment.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
other | 2%(2 delight points on every ₹100 spent) | No cap |
Benefits & Features
Domestic: 8 complimentary visits per year (2 complimentary access to domestic lounges each quarter) International: 4 complimentary visits per year Complimentary access to both domestic and international lounges.
Fees & Charges
Eligibility
Min Age
21 years
Available Networks
Pros & Cons
Pros
- 10% cashback up to ₹500 on transactions within 90 days
- Earn 2 delight points on every ₹100 spent
Cons
- Annual fee of ₹899 + GST
- Limited to RuPay network
Additional Info
Zero liability protection in case of card loss/theft