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IDBI BankIDBI BankLifetime Free

IDBI Bank Signature Credit Card

TravelDiningShoppingFuel
Welcome offer5,000 reward points on spends of ₹5,000 within 30 days of card issuance (as published)
Annual fee
Lifetime Free
Reward rate
2 reward points per ₹100 on all spends, 5 reward points per ₹100 on travel, dining & online categories
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

IDBI Bank Signature Credit Card
VisaMastercard
Rewards

How the rewards work

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

You earn

2 reward points per ₹100 on all spends, 5 reward points per ₹100 on travel, dining & online categories

Points redeemable for air‑miles, gift vouchers or statement credit. Typical redemption value ≈ ₹0.25 per point. Points valid for 36 months from accrual.

Reward currency
Reward Points
Card network
Visa · Mastercard
Perks

What you get with this card

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

  • Complimentary domestic lounge access

  • Fuel surcharge waiver

  • Personal accident cover up to ₹25 lakh

  • Dining discounts

  • Reward points on all spends

Our verdict

Pros & cons

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

What we like

  • No joining or annual fee

  • Good reward points on all spends

  • Complimentary lounge access

What to watch out for

  • Interest rate higher than some peers

  • Redemption value modest

  • Lounge network limited to select airports

Costs

Fees & charges

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

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Balance transfer
0.5% of transferred amount (min ₹500)
Foreign currency markup
3.5% of transaction value
Late payment
₹300 – ₹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 (≈ 42% p.a.)
Cash advance
3.5% per month (≈ 42% p.a.)
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 Signature Credit Card

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

The joining fee for IDBI Bank Signature Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). 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 Signature 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 Signature Credit Card is designed to reward everyday spends. It currently features: "5,000 reward points on spends of ₹5,000 within 30 days of card issuance (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.

Yes, IDBI Bank Signature Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for IDBI Bank Signature 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.