IDBI Royale Signature
79/100
·
FREE
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
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IDBI Bank
IDBI Royale Signature
Visa
LIFETIME FREE
Rewards
VISA
IDBI Royale Signature
by IDBI Bank · Data verified 2 days ago
Lifestyle card with 3x Delight Points and quarterly lounge access.
79
Score
Based on rewards, fees, benefits & eligibility
FREE
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
4 per year Lounges
complimentary
Lifetime FREE
waiver available
79/100
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
₹
Net Annual Value
You save per year!
What's Great
- Completely lifetime free with zero joining and zero annual fees
- 3 Delight Points per ₹100 on dining, travel, shopping, and entertainment
- 1 complimentary domestic airport lounge visit per calendar quarter (4 per year)
- Up to 1,250 bonus Delight Points on activation and initial spend of ₹1,500+
- 1,500 bonus Delight Points milestone reward on ₹1,50,000 annual spend
- Air accident insurance cover of ₹25 Lakh
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Things to Consider
- No complimentary international airport lounge access
- Standard foreign currency transaction markup of 3.50% + GST
- Base reward point value of ₹0.25 per point (~0.75% effective return on 3X categories)
- Limited brand discount partnerships compared to top private sector issuers
Perfect For
IDBI Bank customers
Rewards seekers
Public sector bank users
About This Card
IDBI Bank Royale Signature Credit Card earns 3 Delight Points per Rs.100 spent. 1 domestic lounge visit per quarter, air travel accident insurance Rs.25 lakh, 1% fuel surcharge waiver, up to 48 days interest-free credit.
Annual Fee
FREE
Joining Fee
FREE
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.50% - 2.50%
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
Up to 48 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
500 bonus Delight Points on activation + 750 Delight Points on first spend of ₹1,500 or more within 30 days
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| All Spends | 3 pts/₹100 | 3 Delight Points per \u20b9100 on all spends (excluding fuel and exempted categories) |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹0 + GST per request
Domestic Lounges
4 per year
Travel Insurance
₹25L cover
Fuel Savings
₹500/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •3X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •1 complimentary domestic airport lounge visit per quarter (4 per year)
- •1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- •Complimentary personal air accident insurance cover up to ₹25,00,000
Special Offers & Features
- •3 Delight Points per ₹100 spent on all transactions (excluding fuel and exempt categories)
- •1 complimentary domestic airport lounge access per calendar quarter (4 per year)
- •Annual fee of ₹1,499 waived on spending ₹1,50,000 or more in the anniversary year
- •1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all petrol pumps
- •Complimentary personal accident insurance cover up to ₹25 Lakhs
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
79
out of 100
CardSahayak Score
"Apply Now" takes you to IDBI Bank's official website.
Eligibility
Salaried
₹200,000/mo
Self-Employed
₹300,000/mo
Age
21-60 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Signature
Scores
Rewards
32/100
Fees
98/100
Benefits
41/100
Access
57/100
1 Active Offer
Deals & Offers
Exclusive offers available on IDBI Royale Signature
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 Royale Signature
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹200,000/month min
- • Self-employed: ₹300,000/month min
- • CIBIL: 700+ recommended
IDBI Royale Signature comes with zero annual fee — completely free for life!
You earn 3 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 500 bonus Delight Points on activation + 750 Delight Points on first spend of ₹1,500 or more within 30 days on activation!
Redeem for flights, hotels, vouchers via IDBI Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 4 per year
- → 1 complimentary domestic airport lounge visit per calendar quarter (4 per year) via Visa Signature program
- • 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 Royale Signature today and unlock amazing rewards and premium experiences.
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