IDBI Winnings RUPAY Credit Card
IDBI Bank
Last updated: Feb 03, 2026
₹899
₹0
3.5%
12 visits/yr
Contents
IDBI Winnings RuPay Credit Card is a rewards-focused RuPay card targeted at everyday spenders who want steady point-earning, fuel surcharge waiver and complimentary lounge access. It gives 2 Delight Points per ₹100 spent, bonus points with regular usage, and travel/insurance benefits, while keeping joining fee nil and a modest annual fee from year two. Ideal for customers looking for straightforward rewards and periodic lounge visits.
Features of IDBI Winnings RUPAY Credit Card which makes it unique
Delight Points Programme
Unified reward currency used across IDBI’s partner catalogue for vouchers and redemptions.
Easy redemption with partner merchants
Simpler than multi-partner point programmes
Rewards Structure of IDBI Winnings RUPAY Credit Card
Base Rewards
baseAll retail spend (except exempt categories)
Delight Points accrued on eligible transactions; refer bank for exempted categories.
Monthly Usage Bonus
base5 transactions of ≥ ₹1,000 each in a month
Credit upon meeting monthly transaction condition.
Birthday Month
acceleratedSpends during cardholder's birthday month
Automatic double points in birthday month.
Milestones of IDBI Winnings RUPAY Credit Card
Monthly Transaction Bonus
5 transactions ≥ ₹1,000 each in a calendar month : 500 Delight Points
Fees & Charges of IDBI Winnings RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹899 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on annual spends > ₹90,000.
Fee Explanation Fees and GST as per IDBI Bank’s MITC; cross-currency mark-up and cash advance interest apply from transaction date.
Detailed Explanation of IDBI Winnings RUPAY Credit Card Fees
Joining Fee (Primary/Add-on): Nil (one-time)
Annual Fee (Primary): ₹899 (yearly)
From 2nd year onwards; waived on ₹90,000+ annual spend.
Cash Advance Fee: 2.5% or ₹500 (whichever is higher) (transaction)
Foreign Currency Markup: 3.5% (transaction)
Cross-currency markup as per MITC.
Late Payment Fee (slab): Slabbed (up to ₹950) (per occasion)
Varies by outstanding amount; refer MITC.
Lounge Access Benefits with IDBI Winnings RUPAY Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary visits per calendar quarter at participating lounges (subject to RuPay's lounge network).
international Lounges
silverVisits per year: 4
Guest access: No
2 complimentary visits per calendar half-year at participating international lounges (subject to RuPay).
Insurance Coverage with IDBI Winnings RUPAY Credit Card
Personal Accident Insurance
₹10,00,000Accidental death & permanent disability; eligibility as per card terms.
Additional Features of IDBI Winnings RUPAY Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Up to 2 add-on cards
Welcome Bonus with IDBI Winnings RUPAY Credit Card
Welcome Bonus: NA
Bonus Conditions:
Application Process for IDBI Winnings RUPAY Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Contact IDBI via phone banking or visit a branch
Submit KYC and income documents
Bank verification and approval
Card dispatched within 7-10 business days after approval
Required Documents for IDBI Winnings RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
IDBI Winnings RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India via RuPay network
International Acceptance
Accepted at merchants that support RuPay international transactions (subject to network availability)
Online Acceptance
Yes, supported for e-commerce where RuPay is accepted
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IDBI Winnings RUPAY Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; eligibility and final approval subject to bank policy.
How Approval Is Decided
- Resident Indian
- Primary age 21–60 years (65 for self-employed)
- Minimum income criteria (indicative: salaried ₹25,000/month)
Pros of IDBI Winnings RUPAY Credit Card
- Straightforward rewards on everyday spend
- Fuel surcharge waiver (capped monthly)
- Complimentary domestic and limited international lounge visits
Cons of IDBI Winnings RUPAY Credit Card
- Annual fee from 2nd year (₹899) unless annual spend threshold met
- Cross-currency markup higher than some travel-focused cards (3.5%)
- Limited accelerated categories beyond birthday bonus and monthly bonus
Frequently Asked Questions about IDBI Winnings RUPAY Credit Card
Is there a joining fee for the card?
No — joining fee for primary and add-on IDBI Winnings RuPay cards is Nil.
What is the annual fee and how can it be waived?
Annual fee is ₹899 from the second year; it is waived if you spend over ₹90,000 in a year.
How many reward points do I earn?
You earn 2 Delight Points for every ₹100 of eligible spend; bonus points for meeting monthly transaction conditions and double points in your birthday month.
Does the card provide airport lounge access?
Yes — complimentary domestic and limited international lounge visits are provided via the RuPay lounge network (subject to RuPay’s terms).
What is the forex markup on international transactions?
Cross-currency markup is 3.5% on foreign currency transactions as per IDBI’s MITC.
Is fuel surcharge waived?
Yes — 1% fuel surcharge waiver applies for transactions between ₹4,000 and ₹5,000, up to a maximum waiver of ₹400 per month.
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