IDBI Euphoria World
81/100
·
₹1,499/yr
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CARD HOLDER
YOUR NAME
EXPIRES
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IDBI Bank
IDBI Euphoria World
Mastercard
PREMIUM
Premium
MASTERCARD
Top Rated
IDBI Euphoria World
by IDBI Bank · Data verified 4 days ago
Premium IDBI card with Mastercard World benefits and enhanced rewards.
81
Score
Based on rewards, fees, benefits & eligibility
₹1.5K
Fee
Waiver available on spending
3
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
3 RP Earn
base reward rate
8 per year Lounges
complimentary
₹1,499/yr
waiver available
81/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹1,499
Net Annual Value
You save per year!
What's Great
- 6 Delight Points per ₹100 on travel spends (Hotels, Airlines, IRCTC, Bus)
- 3 Delight Points per ₹100 on all other retail transactions
- 8 complimentary domestic airport lounge visits per year (2 per quarter via Mastercard World)
- Welcome bonus of 4,000 Delight Points on spending ₹1,500+ within 60 days
- Annual fee of ₹1,499 waived on annual retail spends of ₹1,50,000 or more
- Comprehensive air accident insurance cover up to ₹25 Lakhs
Things to Consider
- No complimentary international airport lounge access
- Delight points value is ₹0.25 per point (effective return of 1.5% on travel and 0.75% general)
- Standard 3.5% foreign currency markup on international transactions
Perfect For
IDBI premium customers
Rewards seekers
PSB customers wanting premium card
About This Card
IDBI Bank Euphoria World Credit Card is a premium Mastercard World card with enhanced Delight Points, domestic lounge access, comprehensive insurance, fuel surcharge waiver, and EMI conversion on large purchases.
Annual Fee
₹1,499
Waiver
Spend \u20b91,50,000 in a year
Joining Fee
FREE
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.90% - 2.90%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹500/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
up to ₹5,000
₹250
₹5,001-₹10,000
₹500
₹10,001-₹25,000
₹750
>₹25,000
₹1,000
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
3
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
4,000 Delight Points on first transaction of ₹1,500+ within 60 days
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹0 + GST per request
Domestic Lounges
8 per year
Travel Insurance
₹25L cover
Fuel Savings
₹500/mo
Lost Card Cover
₹0
Add-On Card
Free
Movies
- •Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹200 discount per ticket), twice per month
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •3X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •12 complimentary domestic airport lounge visits per year
- •3.5% forex markup on international transactions
- •Complimentary travel insurance coverage
- •1% fuel surcharge waiver
Special Offers & Features
- •Complimentary domestic airport lounge access (8 visits per year, 2 per quarter)
- •3X reward points on dining and entertainment
- •Golf privileges
- •1% fuel surcharge waiver
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
81
out of 100
CardSahayak Score
"Apply Now" takes you to IDBI Bank's official website.
Eligibility
Salaried
₹400,000/mo
Self-Employed
₹600,000/mo
Age
21-60 yrs
CIBIL
720+
Employment
Salaried, Self-Employed
Card Variant
Premium
Scores
Rewards
42/100
Fees
88/100
Benefits
51/100
Access
57/100
1 Active Offer
Deals & Offers
Exclusive offers available on IDBI Euphoria World
BookMyShow
Enjoy complimentary movie tickets with Buy 1 Get 1 Free up to ₹200 on BookMyShow using your IDBI Bank Credit Card.
200
Till 31 Dec 2026
entertainment
Discount
Buy 1 Get 1 Free up to ₹200
Min Spend
₹200
Max Savings
₹200
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit BookMyShow.
Step 2: Pick cinema and 2+ tickets.
Step 3: Select IDBI Credit Card offer.
Step 4: Complete checkout with IDBI Credit Card.
Step 2: Pick cinema and 2+ tickets.
Step 3: Select IDBI Credit Card offer.
Step 4: Complete checkout with IDBI Credit Card.
Terms & Conditions
Valid on all active IDBI Bank Credit Cards. Maximum discount ₹200. Valid twice per calendar month.
❓ FAQ
Frequently Asked Questions
Everything you need to know about IDBI Euphoria World
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹400,000/month min
- • Self-employed: ₹600,000/month min
- • CIBIL: 720+ recommended
The annual fee is ₹1,499.
The fee can be waived by Spend \u20b91,50,000 in a year.
You earn 3 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 4,000 Delight Points on first transaction of ₹1,500+ within 60 days on activation!
Redeem for flights, hotels, vouchers via IDBI Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 8 per year
- → Domestic: 2 complimentary airport lounge visits per calendar quarter (8 per year) across major Indian airports
- • Instant: Pre-approved IDBI Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDBI Euphoria World today and unlock amazing rewards and premium experiences.
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