← Part of IDBI Credit Cards in India
The IDBI Bank Royale Signature Credit Card offers strong privileges for a premium lifestyle in India and abroad. As of 2026, this card provides 3 Delight Points for every ₹100 spent and an interest-free credit period of up to 48 days.
| Parameter | Details |
|---|---|
| Card Type | Entry-level shopping credit card with premium benefits |
| Issuer | IDBI Bank |
| Target Audience | Individuals seeking extensive privileges for shopping, travel, and dining |
| Reward Points | 3 Delight Points for every ₹100 spent (as of 2026) |
| Delight Points Validity | 3 years from the month of accrual |
| Interest-Free Credit Period | Up to 48 days on purchases |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹5,000 at all fuel stations |
| Air Accident Insurance Cover | ₹25 lakh for air travel accidents (as of 2026) |
| Air Accident Insurance Claim Period | Within 1 year of the cardholder’s death |
| Air Accident Insurance Validity Condition | Minimum two transactions on ATM/POS/e-commerce in 3 months preceding incident |
| Domestic Airport Lounge Access | 1 complimentary visit per calendar quarter under Visa domestic lounge program |
| Global Acceptance (India) | Accepted at 9 lakh+ merchants across India |
| Global Acceptance (Worldwide) | Accepted at 29 million+ merchant outlets globally |
| Add-on Cards | Up to 2 add-on cards available for family members |
| Minimum Age for Add-on Cardholders | 18 years |
| Credit Limit ment Eligibility | After 6 months of card membership |
| Age for Salaried Applicants | 21 to 60 years |
| Age for Self-Employed Applicants | Up to 65 years |
The card is designed to reward users across various spending categories, offering significant benefits for travel and daily transactions.
Key Features & Benefits
The IDBI Bank Royale Signature Credit Card offers a lifetime-free experience with no annual membership fee, designed for individuals seeking premium services. Cardholders receive 3 Delight Points for every ₹100 spent and benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Lifetime Free Card: The Royale Signature Credit Card has no annual membership fee, making IT a cost-effective option for users.
- Reward Points: Cardholders earn 3 Delight Points for every ₹100 spent on various categories like travel, shopping, dining, and movies.
- Fuel Surcharge Waiver: A 1% fuel surcharge is waived for transactions between ₹400 and ₹5,000 at all fuel stations across India.
- Airport Lounge Access: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter under the Visa domestic lounge program.
- Air Travel Accident Insurance: The card provides a complimentary air travel accident insurance cover of up to ₹25 lakh. This cover is valid if the card has been used for at least two transactions in the three months preceding the incident.
- Interest-Free Credit Period: Benefit from an interest-free credit period of up to 48 days on purchases, allowing flexible payment management.
- Global Acceptance: The card is accepted at over 9 lakh merchants in India and more than 29 million merchant outlets worldwide.
- d Security: The card is EMV Chip-enabled for secure transactions and includes a magnetic strip for traditional swipe usage.
- Zero Loss Liability: After reporting a lost or stolen card, or any fraudulent transaction, the bank covers subsequent fraudulent charges.
- Digitised Welcome Kit: New cardholders receive a full e-Kit in PDF format, detailing card usage, agreements, and important terms.
- Add-on Cards: Primary cardholders can apply for up to two add-on cards for family members aged 18 years or above.
- Delight Points Validity: Accumulated Delight Points remain valid for a period of 3 years, excluding the month of their accrual.
This card combines financial benefits with lifestyle privileges, catering to diverse spending needs while ensuring security and convenience.
Fees & Charges 2026
The IDBI Bank Royale Signature Credit Card is a lifetime-free card, meaning IT carries no annual membership fee. Cardholders benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹99 plus GST per month.
| Charge Type | Amount (Rs.) | Details |
|---|---|---|
| Annual Membership Fee | Nil | This is a lifetime-free card, with no annual charges. |
| Add-on Card Fee | Nil | No fee for issuing add-on cards to family members (above 18 years). |
| Fuel Surcharge Waiver | 1% | Waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India. Maximum waiver of ₹99 + GST. |
| PIN Re-generation (Physical PIN request) | ₹50 + taxes | Applicable for physical PIN requests. |
| Card Charges (if account downgraded) | ₹799 | Applicable if the associated IDBI Royale Account is downgraded. |
| Interest-free credit period | Up to 48 days | Interest-free period on purchases, allowing flexible payment management. |
| Goods & Service Tax (GST) | Applicable | GST is levied on all charges and rounded off to the next Rupee. |
The card’s lifetime-free status makes IT an attractive option for those seeking a credit card without recurring annual costs, while still offering benefits like fuel surcharge waivers.
Eligibility Criteria
To apply for the IDBI Bank Royale Signature Credit Card in 2026, applicants must be Indian nationals and residents. The primary applicant’s age must fall within specific ranges, depending on their employment status.
IDBI Bank evaluates applications based on income and other criteria, retaining discretion for final approval.
- Nationality: Applicants must be Indian nationals.
- Residency: A permanent resident of India is required to be eligible for this credit card.
- Age for Salaried Individuals: Salaried applicants must be between 21 and 60 years old.
- Age for Self-Employed Individuals: Self-employed applicants can be between 21 and 65 years old.
- Add-on Cardholder Age: Supplementary cardholders must be at least 18 years old.
- Income Criteria: The bank assesses the applicant’s income to determine eligibility, though specific thresholds are not publicly disclosed.
- Credit History: A strong CIBIL score and a healthy credit history are generally preferred for credit card approvals.
Meeting these criteria does not guarantee approval, as IDBI Bank makes final decisions based on its internal policies and risk assessment.
Reward Program: Delight Points
The IDBI Bank Royale Signature Credit Card rewards users with 3 Delight Points for every ₹100 spent across various categories. These points can be redeemed for a wide range of options, including travel bookings, merchandise, and cashback, through the IDBI Delights portal. Points earned on add-on cards are clubbed with the primary card’s balance.
| Earning Metric | Delight Points Earned | Redemption Details |
|---|---|---|
| Every ₹100 spent on Royale Signature Card | 3 Delight Points | Redeemable on IDBI Delights portal for flights, hotels, bus tickets, movies, merchandise, gift cards, mobile recharges, or cashback. |
| Reward points earned on add-on cards | Clubbed with primary card’s points | Redeemable on IDBI Delights portal for flights, hotels, bus tickets, movies, merchandise, gift cards, mobile recharges, or cashback. |
| All spends (travel, shopping, dining-out, movies) | 3 Delight Points for every ₹100 spent | Redeemable on IDBI Delights portal for cashback, merchandise, flight tickets, mobile recharges, hotel reservations, gift cards, and movie tickets. |
| IDBI Euphoria Credit Card spends on travel | 6 reward points for every ₹100 spent | Redeemable from an online catalogue of over 7000 options, including mobile/DTH recharge, hotel/bus bookings, cashback, gift cards, and movie tickets. |
| IDBI Euphoria Credit Card spends on other categories | 3 reward points for every ₹100 spent | Redeemable from an online catalogue of over 7000 options, including mobile/DTH recharge, hotel/bus bookings, cashback, gift cards, and movie tickets. |
| All IDBI credit card spends | Variable Delight Points (card variant dependent) | Points are valid for 3 years from accrual (excluding accrual month). Can be converted to cashback. |
The accumulated Delight Points offer flexibility, allowing cardholders to convert them into cashback or utilize them for various lifestyle and travel needs. Points remain valid for three years from their accrual date.
Insurance & Security Features
The IDBI Bank Royale Signature Credit Card offers an Air Travel Accident Insurance cover of ₹25 lakhs, providing financial protection against unforeseen events. This card also includes Zero Loss Liability, safeguarding against fraudulent transactions after reporting a lost or stolen card.
- Air Travel Accident Insurance: The card provides a complimentary Air Travel Accident Insurance cover of up to ₹25 lakhs. This cover is valid if the card has been used for a minimum of two transactions on any ATM, POS, or e-commerce terminal within the three months preceding the incident.
- Zero Loss Liability: Cardholders benefit from Zero Loss Liability. This feature ensures that you are not responsible for any fraudulent transactions made on your card after you have reported IT lost or stolen to IDBI Bank’s 24-hour customer care.
- EMV Chip and PIN Security: The Royale Signature Credit Card is EMV Chip-enabled, offering d security for all transactions. This technology helps protect against card cloning and unauthorized use.
- Global Acceptance: The card is accepted at over 9 lakh merchant outlets in India and more than 29 million merchant outlets worldwide. This broad acceptance ensures secure transactions globally.
- Nominee Details: To claim the Air Travel Accident Insurance, nominee details must be provided during the credit card application process or submitted to an IDBI Bank branch. The claim must be made within one year of the cardholder’s death.
These security and insurance features provide cardholders with peace of mind for both domestic and international usage.
How to Apply for the IDBI Bank Royale Signature Credit Card 2026
Applying for the IDBI Bank Royale Signature Credit Card in 2026 is a straightforward process for eligible Indian residents. The bank assesses applications based on income and other criteria, with final approval at its discretion.
Here are the steps to apply for the IDBI Bank Royale Signature Credit Card:
- Check Eligibility: Applicants must be Indian nationals, aged 21-60 years for salaried individuals or 21-65 years for self-employed individuals.
- Choose Application Method: You can apply either online through the official IDBI Bank website or by visiting any IDBI Bank branch.
- Complete Application Form: Fill out the credit card application form with all required personal, financial, and employment details accurately.
- Submit Required Documents: Provide necessary KYC documents such as identity proof (PAN card, Aadhaar card), address proof, and income proof (salary slips, bank statements, ITR).
- Nominee Details: Ensure nominee details for the ₹25 lakh air travel accident insurance cover are provided during the application or submitted to an IDBI Bank branch.
- Application Review: IDBI Bank will review your application and documents, considering your income and creditworthiness for approval.
After successful verification, the bank will dispatch your IDBI Bank Royale Signature Credit Card to your registered address.
Important Terms & Conditions
The IDBI Bank Royale Signature Credit Card offers a lifetime-free experience with no annual membership fee, providing up to 48 days of interest-free credit on purchases. Cardholders receive a complimentary Air Travel Accident Insurance Cover of ₹25 lakh, valid with minimum usage in the preceding three months.
Detailed terms, including the Most Important Terms & Conditions (MITC), are provided in a digital Welcome e-Kit, which cardholders should review for full clarity on card usage and agreements.
| Term | Details |
|---|---|
| Most Important Terms & Conditions (MITC) | Detailed information on Card Usage, Cardholders Agreement, and MITC is provided in a downloadable PDF within the digitised Credit Card Welcome e-Kit. Refer to MITC for specifics on the interest-free credit period and other terms. |
| Eligibility for Primary Cardholder | Indian nationals aged 21-60 years (salaried) or 21-65 years (self-employed) can apply. Approval is at the bank’s discretion, based on income and other criteria. Primary cardholder(s) must be residents of India. |
| Eligibility for Add-on Cardholder | Family members above 18 years with a PAN card can receive an add-on Royale Signature Credit Card. The primary card entitles you to two add-on cards, extending all benefits to family members. |
| Air Travel Accident Insurance Cover | A complimentary Air Travel Accident Insurance Cover of up to ₹25 lakh is provided. This cover is valid if the card has been used for a minimum of two transactions/activities on any ATM/POS/e-commerce terminal in the last 3 months preceding the incident. The claim must be made within 1 year of the cardholder’s death, and nominee details must be provided. |
| Fuel Surcharge Waiver | A 1% waiver on fuel surcharge is applicable for transactions between ₹400 and ₹5,000 at all fuel stations across India. The maximum waiver is capped at ₹500 per month for Royale, Euphoria, and LIC Eclat cards. |
| Credit Limit ment | Requests for credit limit ment can be made after 6 months of holding the IDBI Royale Signature Credit Card. A written letter along with the latest income proof is required. |
| Interest-Free Credit Period | Cardholders can enjoy an interest-free credit period of up to 48 days on purchases. |
| Delight Points Validity | Earned Delight Points are valid for a period of 3 years, excluding the month of accrual. |
| Domestic Airport Lounge Access | Cardholders receive 1 complimentary lounge visit per calendar quarter at participating Airport Lounges in India under the Visa domestic lounge program. |
| Card Acceptance | The IDBI Bank Royale Signature Credit Card is accepted at over 9 lakh merchants in India and more than 29 million merchant outlets worldwide. |
| Zero Loss Liability | After reporting a lost or stolen card, or any fraudulent transaction, the bank covers any subsequent fraudulent charges. Immediate reporting to customer care is . |
| EMV Chip & Magnetic Strip | The card is EMV Chip-enabled for d security and also features a magnetic strip for normal swipe card usage. |
These terms ensure secure transactions, provide travel benefits, and offer financial flexibility, making the IDBI Bank Royale Signature Credit Card a full choice for eligible Indian residents.
Key Takeaways
- The IDBI Bank Royale Signature Credit Card is lifetime-free, offering an interest-free credit period of up to 48 days.
- Cardholders receive a ₹25 lakh Air Travel Accident Insurance Cover, contingent on minimum card usage in the preceding three months.
- Eligibility requires applicants to be Indian nationals aged 21-60 (salaried) or 21-65 (self-employed), with approval based on the bank’s discretion.
To understand all specific conditions and apply, visit the official IDBI Bank website or your nearest branch.
Frequently Asked Questions (FAQs)
What are the key benefits of the IDBI Bank Royale Signature Credit Card in 2026?
The IDBI Bank Royale Signature Credit Card offers 3 Delight Points for every ₹100 spent on various categories like travel, shopping, and dining. Cardholders also receive interest-free credit for up to 48 days on purchases. A 1% fuel surcharge waiver is available on transactions within a specified range at all fuel stations.
What is the eligibility criteria for the IDBI Bank Royale Signature Credit Card in 2026?
Indian residents aged 21 to 60 years can apply for the IDBI Bank Royale Signature Credit Card. The age limit extends to 65 years for self-employed applicants. Final approval depends on the applicant’s income and other criteria, as per IDBI Bank’s discretion.
Does the IDBI Bank Royale Signature Credit Card offer any insurance benefits?
Yes, the IDBI Bank Royale Signature Credit Card provides a complimentary Air Travel Accident Insurance Cover of up to ₹25 lakh. This cover is for accidental death during air travel and includes Zero Loss Liability after reporting a lost or stolen card. The claim must be made within one year of the cardholder’s death.
Can I get an add-on card for the IDBI Bank Royale Signature Credit Card?
Yes, you can apply for add-on Royale Signature Credit Cards for family members who are above 18 years of age. This allows your family to enjoy the card’s benefits. All transactions on add-on cards are linked to your primary account.
What should I do if my IDBI Bank Royale Signature Credit Card is lost or stolen?
You must immediately report the loss of your IDBI Bank Royale Signature Credit Card to the 24-Hour Customer Care at 1800-209-4324 (toll-free) or 022-67719100 (non-toll-free). The card will be blocked immediately to prevent misuse, and any fraudulent transactions after reporting will be covered by the bank.
Is the IDBI Bank Royale Signature Credit Card accepted internationally?
Yes, the IDBI Bank Royale Signature Credit Card has global acceptance. IT is accepted at over 9 lakh merchant outlets in India and more than 29 million merchant outlets worldwide. This makes IT suitable for both domestic and international travel and purchases.
How do I earn reward points with the IDBI Bank Royale Signature Credit Card?
You earn 3 Delight Points for every ₹100 spent using your IDBI Bank Royale Signature Credit Card. These points are accumulated on various expenditures, including travel, shopping, dining, and movies. You can redeem these points for various rewards offered by IDBI Bank.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.