IDBI Euphoria Mastercard Credit Card
IDBI Bank
Last updated: Feb 03, 2026
₹1,499
₹0
3.5%
No lounge access
Contents
IDBI Euphoria Mastercard Credit Card is a travel-focused credit card that rewards heavy travellers with accelerated Delight Points on flights, hotels, IRCTC and bus bookings. You get unlimited domestic airport lounge access via the Mastercard World programme, making it attractive for frequent flyers and business travellers. The card also offers a 1% fuel surcharge waiver, interest-free credit of up to 48 days and a generous welcome bonus. With a mid-range annual fee and fee waiver on high annual spends, it suits users who can maximise travel and lounge benefits.
Features of IDBI Euphoria Mastercard Credit Card which makes it unique
Unlimited Domestic Lounge Access
Enjoy unlimited complimentary visits to participating domestic airport lounges across India.
Frequent travellers can relax, work or dine in lounges without worrying about visit caps.
Very few mid-fee cards in India offer unlimited domestic lounge access.
High Travel Reward Multiplier
Earn 6 Delight Points per ₹100 on eligible travel spends like flights, hotels, IRCTC and buses.
Faster points accumulation for users who book trips regularly.
Stronger travel earn rate than many entry-level and mid-range travel cards.
Rewards Structure of IDBI Euphoria Mastercard Credit Card
Travel Spends
acceleratedFlights, hotels, IRCTC, online and offline bus bookings and other eligible travel merchants
Best suited for frequent travellers who book flights and hotels regularly.
Other Retail Spends
baseAll regular retail transactions except excluded categories such as fuel surcharge component and wallet loads
Solid everyday earn rate on groceries, dining, shopping and online payments.
Fuel Transactions
baseFuel purchases between ₹400 and ₹5,000 at any fuel station in India
Useful for users who fuel their car or bike frequently.
Excluded Categories
baseUtility bills, rent, wallet loads, government payments and other excluded MCCs
Check the latest IDBI Delight exclusion list before planning large payments.
Milestones of IDBI Euphoria Mastercard Credit Card
Annual Renewal Benefit
Payment of annual fee from second year onwards : 2,000 Delight Points credited on successful annual fee payment.
High Spender Benefit (Indicative)
₹1,50,000 annual retail spends : Annual fee waiver worth ₹1,499 for the next year, effectively improving reward rate for high spenders.
Fees & Charges of IDBI Euphoria Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹950 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹1,499 from the second year onwards, waived on annual retail spends above ₹1,50,000.
Fee Explanation Standard IDBI Bank credit card charges apply on revolving credit, cash advances, late payments, and overdue amounts as per MITC.
Detailed Explanation of IDBI Euphoria Mastercard Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee for primary or add-on cards.
Annual Fee: ₹1,499 (yearly)
Applicable from the second year onwards; waived if annual retail spends exceed ₹1,50,000.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Charged on each cash withdrawal from ATMs or over the counter.
Foreign Currency Mark-up: 3.5% (transaction)
Applied on all international transactions in foreign currency.
Late Payment Fee: Up to ₹950 (per statement cycle)
Slab-based charges as per total amount due; refer MITC for complete slab details.
Overlimit Fee: 2.5% (min ₹500) (per occurrence)
Charged on the amount exceeding the approved credit limit.
Cheque / Auto-debit Return Fee: ₹500 (per instance)
Applicable when payment instruments are returned or dishonoured.
Rewards Redemption Fee: ₹0 (per request)
No fee on Delight Points redemption.
Lounge Access Benefits with IDBI Euphoria Mastercard Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Unlimited complimentary domestic airport lounge visits at participating lounges in India under the Mastercard World programme, subject to Mastercard and IDBI Bank terms and fair usage.
Insurance Coverage with IDBI Euphoria Mastercard Credit Card
Air Travel Accident Insurance
₹25,00,000Applicable on valid air travel booked on the IDBI Euphoria Mastercard Credit Card as per policy terms and conditions.
Additional Features of IDBI Euphoria Mastercard Credit Card
Interest-free Credit Period
Up to 48 days of interest-free credit on purchases.
Subject to full payment of total amount due by the due date; see MITC for exact computation.
Add-on Cards
Up to 2 add-on Euphoria World credit cards for family members above 18 years.
Add-on card expenses are billed to the primary card; Delight Points are clubbed with the primary account.
Zero Lost Card Liability
Protection from fraudulent transactions after timely reporting of card loss.
Cardholder must immediately inform IDBI Bank’s 24x7 customer care; liability cover as per card agreement.
EMI on Purchases
Option to convert big-ticket purchases into EMIs at attractive interest rates.
Minimum purchase amount and tenure options as per current IDBI Bank EMI programme.
Balance Transfer Facility
Transfer outstanding dues from other cards to your IDBI Euphoria card.
Processing fee and interest rate as per prevailing balance transfer offer; minimum transfer amount applies.
Welcome Bonus with IDBI Euphoria Mastercard Credit Card
Welcome Bonus: 4,000 Delight Points
Bonus Conditions: Earn 4,000 Delight Points on your first transaction of at least ₹1,500 within 60 days of card issuance.
Application Process for IDBI Euphoria Mastercard Credit Card
Processing Time
7-10 working days after document verification
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Contact IDBI Bank via their 24x7 phone banking numbers or website to express interest in the IDBI Euphoria Mastercard Credit Card.
Visit the nearest IDBI Bank branch with your KYC and income documents for application and verification.
Fill in the credit card application form and submit documents for processing.
Receive confirmation of approval and card dispatch after successful underwriting.
Activate your card and register for IDBI Delight rewards and online banking services.
Required Documents for IDBI Euphoria Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Photograph
allAccepted documents:
IDBI Euphoria Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across merchants in India that support Mastercard credit cards.
International Acceptance
Accepted at millions of Mastercard-enabled merchants worldwide.
Online Acceptance
Supported on most major Indian and international e-commerce websites.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IDBI Euphoria Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Resident Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a stable income profile, valid PAN and Aadhaar, and meet IDBI Bank’s internal credit underwriting norms.
How Approval Is Decided
- Age between 21 and 60 years for salaried and up to 65 years for self-employed applicants.
- Resident Indian with stable income and verifiable employment or business profile.
- Satisfactory credit history and credit score around 700 or higher as per IDBI Bank policy.
- Clean repayment track record on existing loans and credit cards.
- Successful completion of internal risk and documentation checks by IDBI Bank.
Pros of IDBI Euphoria Mastercard Credit Card
- Unlimited domestic airport lounge access is ideal for frequent travellers and frequent flyers.
- Generous welcome benefit of 4,000 Delight Points on early spends.
- 6X Delight Points on travel and 3X on other spends help you accumulate rewards quickly.
- No joining fee and achievable annual fee waiver threshold for moderate to high spenders.
- Air travel accident cover and zero lost card liability enhance overall protection.
Cons of IDBI Euphoria Mastercard Credit Card
- Foreign currency mark-up of 3.5% makes it less attractive as an international spend card.
- Annual fee of ₹1,499 from second year may not be justified for low spenders who rarely travel.
- Reward points may not accrue on certain categories like utilities, rent, wallets and government payments.
- Offline branch-based application process can be slower compared to fully digital cards.
- No dedicated airline or hotel transfer partners for advanced points enthusiasts.
Frequently Asked Questions about IDBI Euphoria Mastercard Credit Card
Is there any joining fee on the IDBI Euphoria Mastercard Credit Card?
No, there is no joining fee on the IDBI Euphoria Mastercard Credit Card for the primary or add-on cards.
What is the annual fee and waiver condition for the IDBI Euphoria credit card?
The annual fee is ₹1,499 from the second year onwards and is waived if your yearly retail spends exceed ₹1,50,000.
How many reward points do I earn with the IDBI Euphoria Mastercard Credit Card?
You earn 6 Delight Points per ₹100 on eligible travel spends like flights, hotels and IRCTC, and 3 Delight Points per ₹100 on most other retail purchases.
Does the IDBI Euphoria credit card offer airport lounge access?
Yes, the card offers unlimited complimentary domestic airport lounge access at participating lounges in India under the Mastercard World lounge programme.
What is the welcome benefit on the IDBI Euphoria Mastercard Credit Card?
You receive 4,000 Delight Points as a welcome gift when you complete your first eligible transaction of at least ₹1,500 within 60 days of card issuance.
Is the IDBI Euphoria card good for international transactions?
The card can be used internationally but carries a 3.5% foreign currency mark-up, so it is better suited for domestic travel and lounge use rather than heavy international spending.
Who should apply for the IDBI Euphoria Mastercard Credit Card?
This card is best for frequent travellers and airport lounge users who can spend around ₹1.5 lakh or more annually to justify the fee and maximise lounge and rewards benefits.
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