← Part of IDBI Credit Cards in India
The IDBI Winnings Credit Card, an entry-level offering, provides a strong reward base for new users in 2026. This card allows access to 1.88 million ATMs across India and overseas, along with acceptance at 39.3 million merchant outlets globally. IT is ranked 8.4/10 by CardTrail as the best overall IDBI credit card as of March 2026.
| Parameter | Details |
|---|---|
| Card Type | Entry-level credit card |
| Joining Fee | No joining fee |
| Annual Fee | ₹0 (Lifetime Free) |
| Reward Points (General) | 2 Delight Points for every ₹100 spent |
| Bonus Reward Points | 500 Delight Points on 5 transactions of ₹1,000 each per month |
| Birthday Month Benefit | Double Delight Points on spends during the cardholder’s birthday month |
| Domestic Airport Lounge Access | 2 complimentary lounge visits per calendar quarter at participating lounges in India |
| International Airport Lounge Access | 2 complimentary lounge visits per calendar half year at participating lounges outside India |
| RuPay Select Variant Lounge Access (Domestic) | 8 complimentary lounge access visits in a year |
| RuPay Select Variant Lounge Access (International) | 4 complimentary international lounge access visits in a year |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 – ₹4,000, maximum ₹400 per month |
| Interest-Free Credit Period | Up to 48 days on purchases |
| Cash Withdrawal Access | 1.88 million ATMs across India and abroad |
| Merchant Acceptance (Global) | 39.3 million merchant outlets (Source: Paisabazaar) |
| Lost Card Liability | Zero Lost Card Liability (report immediately to customer care) |
| Customer Care (Toll-Free) | 1800 425 7600 |
The IDBI Winnings Credit Card is designed for convenience and security, offering benefits like airport lounge access and fuel surcharge waivers. IT provides a solid foundation for first-time credit card users to earn rewards on everyday spending.
IDBI Winnings Card: Fees, Charges & Interest Rates
The IDBI Winnings Credit Card offers a competitive fee structure, with no joining fee for the RuPay Select variant. As of March 2026, annual fees for IDBI Bank credit cards range from free to ₹1,499 per year, depending on the card variant and spending. Interest rates on outstanding balances typically range from 2.5% to 3.4% per month.
| Fee/Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee (Primary Card) | ₹0 – ₹499 | No joining fee for IDBI Winnings RuPay Select Credit Card. Other variants may have a ₹499 joining fee. |
| Annual Fee (Primary Card) | ₹0 – ₹1,499/year | Annual fees vary by card variant (as of March 2026). Waiver possible on spending ₹75,000 in a year for some cards. |
| Add-on Card Fees | ₹0 | No joining fee or annual fee for add-on cards. |
| Monthly Interest Rate (on outstanding balance) | 2.9% – 3.4% | Interest charged on unpaid outstanding amounts. For IDBI Winnings, IT is 2.9% per month. |
| Cash Advance Transaction Fee | 2.5% of transaction amount or ₹500 (whichever is higher) | Applicable for cash withdrawals from ATMs in India and overseas. No interest-free period on cash advances. |
| Fuel Surcharge Waiver | 1% | Waiver on transactions between ₹400 and ₹4,000 at all petrol pumps. Maximum waiver of ₹400 per month for Winnings/Imperium cards. |
| Late Payment Charges | Applicable | Levied if the minimum amount due is not paid by the due date. Specific charges depend on the outstanding amount. |
| Goods and Services Tax (GST) | 18% | Applicable on all fees, charges, and interest rates from July 1, 2017, onwards. |
| Overlimit Charges | 2.5% of overlimit amount or ₹500 (whichever is higher) | Charged if the outstanding balance exceeds the assigned credit limit. |
| Card Replacement Fee | ₹100 – ₹250 | Fee for replacing a lost, stolen, or damaged card. |
| Foreign Currency Transaction Markup | 3.5% | Charged on transactions made in foreign currency. |
| Cheque Bounce/Auto-Debit Failure Fee | ₹500 | Levied if a payment cheque bounces or auto-debit fails due to insufficient funds. |
The IDBI Winnings Credit Card provides an interest-free credit period of up to 48 days, provided the entire bill amount is paid by the due date. Cardholders should review the Key Fact Statement for the most current and detailed fee information.
IDBI Winnings Credit Card: Eligibility & Documents
To apply for the IDBI Winnings Credit Card in 2026, applicants must be Indian nationals aged 21-60 years for salaried individuals, or up to 65 years for self-employed individuals. The bank requires standard identity, residence, and income proofs for application processing.
| Criteria/Document | Requirement | Details |
|---|---|---|
| Nationality | Indian National | Applicants must be Indian citizens or residents. |
| Age (Salaried Individuals) | 21-60 years | Primary cardholders must fall within this age bracket. |
| Age (Self-Employed Individuals) | 21-65 years | Self-employed applicants have an extended maximum age limit. |
| Age (Add-on Cardholders) | 18 years or above | Immediate family members can apply for add-on cards. |
| Income Proof (Salaried) | Latest 3 months’ Salary Slip | Required to demonstrate a steady source of income. |
| Income Proof (Self-Employed) | Latest 3 months Bank Statement / Latest IT Return / Form 16 | One of these documents is needed for self-employed applicants. |
| ID Proof | Any one of the following | Voter ID, Passport, Driving License, PAN card, or Aadhaar Card. |
| Residence Proof | Any one of the following | Electricity Bill, Telephone Bill, Election Card, Passport, or Aadhaar Card. |
| Other Documents | Recent passport size photograph | A recent photograph is typically required for the application. |
| Bank’s Discretion | Approval based on income and other criteria | Final card approval is at IDBI Bank’s sole discretion. |
Meeting these eligibility criteria and providing the necessary documents are steps for a successful IDBI Winnings Credit Card application.
IDBI Winnings Card: Reward Points & Benefits
The IDBI Winnings Credit Card offers a strong rewards program, allowing cardholders to earn Delight Points on most spends. Cardholders receive 2 Delight Points for every ₹100 spent, value across various transactions.
This card also provides specific bonus points and benefits tailored for frequent usage and special occasions.
- Base Reward Rate: Earn 2 Delight Points for every ₹100 spent on the IDBI Winnings Credit Card.
- Monthly Bonus Points: Achieve an additional 500 Delight Points by completing 5 transactions of ₹1,000 each within a calendar month.
- Birthday Month Bonus: Cardholders receive double Delight Points on all spends during their birthday month, effectively earning 4 points per ₹100.
- Welcome Cashback Offer: New cardholders can get a flat 10% cashback on all transactions with a minimum value of ₹500 within the first 90 days (maximum cashback of ₹500, applicable if joining fee is paid).
- Welcome Delight Points (Initial): Receive 500 Delight Points on a single transaction of at least ₹1,500 made within the first 30 days of card issuance.
- Welcome Delight Points (Extended): Earn an additional 300 Delight Points on transactions made between 31 and 90 days from card issuance.
- Redemption Options: Accumulated Delight Points can be redeemed for various benefits, including utility bill payments, dining, shopping, and entertainment.
The IDBI Winnings Credit Card combines a solid base reward structure with targeted bonuses, maximizing returns for active users.
IDBI Winnings Card: Airport Lounge Access
The IDBI Winnings Credit Card provides complimentary access to both domestic and international airport lounges, travel comfort for cardholders. This includes 2 complimentary visits per calendar quarter at Indian airport lounges and 2 visits per calendar half-year for international lounges.
| Lounge Type | Visits Per Period | Location |
|---|---|---|
| Domestic Airport Lounges | 2 complimentary visits per calendar quarter | India |
| International Airport Lounges | 2 complimentary visits per calendar half year | Outside India |
| Domestic Airport Lounges (Winnings RuPay Select) | 8 complimentary visits per year | India |
| International Airport Lounges (Winnings RuPay Select) | 4 complimentary visits per year | Abroad |
Cardholders can enjoy these benefits by ensuring their card has had at least one successful financial or non-financial transaction in the 90 days before lounge access.
IDBI Winnings Vs. Other IDBI Cards
The IDBI Winnings Credit Card is rated 8.4/10 as the “Best overall” IDBI card by CardTrail as of March 2026. IT offers significant travel benefits compared to other IDBI cards like the Royale Signature and Euphoria, which are positioned for free usage and travel rewards respectively.
| Feature | Winnings Card | Royale Signature Card | Euphoria Card |
|---|---|---|---|
| Overall Ranking (CardTrail 2026) | Best overall (8.4/10) | Best free card (7.9/10) | Best for travel (7.9/10) |
| Joining Fee | No joining fee | Free | No joining fee |
| Reward Points (per ₹100 spent) | 2 Delight Points | Not specified | 6 Delight Points on travel, 3 Delight Points on hotel/IRCTC/bus |
| Welcome Benefit | 10% cashback on all transactions (min. ₹1) | Not specified | 4,000 Delight Points on first transaction of ₹1,500+ within 60 days |
| Fuel Surcharge Waiver | 1% (transactions ₹400-₹4000, max ₹400/month) | 1% (max ₹500/month) | 1% (transactions ₹400-₹5000, max ₹500/month) |
| Airport Lounge Access (Domestic) | 2 complimentary per quarter (or 8 per year) | 1 complimentary per quarter | Not specified |
| Airport Lounge Access (International) | 2 complimentary per half-year (or 4 per year) | Not specified | Not specified |
| Merchant Acceptance (India) | 39.3 million+ (general IDBI) | 9 lakh+ | 9 lakh+ |
| Merchant Acceptance (Worldwide) | 39.3 million+ (general IDBI) | 29 million+ | 29 million+ |
The Winnings Card provides a balance of no joining fee and substantial lounge access, making IT suitable for frequent travelers. The Euphoria Card focuses heavily on travel-related reward points, while the Royale Signature is positioned as a free card with basic lounge benefits.
Applying for IDBI Winnings Credit Card
Applying for the IDBI Winnings Credit Card in 2026 involves a straightforward process, available through online channels or by visiting an IDBI Bank branch. Indian nationals aged 21-60 years (up to 65 for self-employed individuals) are eligible, provided they meet income and documentation requirements.
- Eligibility Criteria: Applicants must be Indian nationals, aged 21 to 60 years for salaried individuals, and up to 65 years for self-employed professionals.
- Required Documents: Key documents include ID proof (PAN card, Aadhaar Card, Passport), residence proof (Electricity Bill, Passport, Aadhaar Card), and income proof (latest 3 months’ Salary Slip, Bank Statement, or IT Return).
- Online Application: You can apply directly through the official IDBI Bank website or via financial aggregators like BankBazaar by submitting personal details and uploading scanned documents.
- Branch Application: Alternatively, visit your nearest IDBI Bank branch with all necessary original and photocopied documents to complete the application form in person.
- Add-on Card Eligibility: For add-on cards, immediate family members aged 18 years or above are eligible, requiring their PAN card, ID, residential proof, and a recent passport-size photograph.
- Card Delivery Timeline: After approval, the IDBI Winnings Credit Card is typically dispatched within 7-10 working days. Chip Cards sent via Blue Dart Courier are active upon receipt.
Key Takeaways
- The IDBI Winnings Credit Card is available to Indian citizens aged 21-60 (salaried) or 21-65 (self-employed) as of 2026.
- documents include valid ID, address, and income proofs like PAN, Aadhaar, and latest salary slips.
- Applications can be submitted conveniently online through the IDBI Bank website or by visiting a local branch.
Check your eligibility and apply for the IDBI Winnings Credit Card on the official IDBI Bank website or at your nearest branch.
Frequently Asked Questions (FAQs)
What are the lounge access benefits of the IDBI Bank Winnings Credit Card?
The IDBI Bank Winnings Credit Card offers 2 complimentary lounge visits per calendar quarter at participating airport lounges within India. , cardholders receive 2 complimentary lounge visits per calendar half-year at participating international airport lounges. This benefit allows cardholders to access comfortable airport facilities both domestically and abroad.
What is the minimum age to apply for the IDBI Bank Winnings Credit Card?
Indian nationals aged between 21 and 60 years can apply for the IDBI Bank Winnings Credit Card. For self-employed individuals, the upper age limit extends to 65 years. Final card approval depends on the bank’s discretion, based on income and other eligibility criteria.
What documents are required for the IDBI Bank Winnings Credit Card application?
Applicants need to provide identity proof (Voter ID, Passport, Driving License, PAN card, or Aadhaar Card) and residence proof (Electricity/Telephone Bill, Election Card, Passport, or Aadhaar Card). Income proof includes the latest 3 months’ salary slip, latest 3 months’ bank statement, latest IT Return, or Form 16. These documents help the bank assess eligibility.
How many reward points do I earn with the IDBI Bank Winnings Credit Card?
With the IDBI Bank Winnings Credit Card, you earn 2 Delight Points for every ₹100 spent on your card. These reward points accumulate with each transaction, offering value back on your purchases. You can redeem these points for various benefits and offers.
What is the lost card liability policy for the IDBI Bank Winnings Credit Card?
The IDBI Bank Winnings Credit Card offers Zero Lost Card Liability. If your card is lost, you must report IT immediately to IDBI customer care at 1800 425 7600 (toll-free) or 022 – 4042 6013 (non-toll free). This policy protects you from unauthorized transactions after reporting the loss.
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.