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IDBI BankIDBI Bank

IDBI Bank Cashback Credit Card

ShoppingLifestyleDiningFuel
Welcome offer5% cashback up to ₹5,000 on spends of ₹10,000 within first 30 days (as published)
Annual fee
₹ 500
Reward rate
5% cashback on select online merchants, 1% on other spends
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

IDBI Bank Cashback Credit Card
VisaMastercard
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

5% cashback on select online merchants, 1% on other spends

Cashback credited as points; 1 point = ₹0.15 typical redemption. Welcome and milestone offers as per product page.

Reward currency
Cashback
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 5% cashback on select online merchants

  • 1% cashback on other spends

  • Fuel surcharge waiver

  • Dining offers

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • High cashback on online spends

  • No annual fee if spend waiver met

What to watch out for

  • Cashback capped on select merchants

  • Higher interest rate

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with IDBI Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of IDBI Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about IDBI Bank Cashback Credit Card

Everything you need to know about IDBI Bank Cashback Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for IDBI Bank Cashback Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for IDBI Bank Cashback Credit Card from IDBI Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

IDBI Bank Cashback Credit Card is designed to reward everyday spends. It currently features: "5% cashback up to ₹5,000 on spends of ₹10,000 within first 30 days (as published)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via IDBI Bank's rewards portal.

IDBI Bank Cashback Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for IDBI Bank Cashback Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.