IDBI Bank Euphoria World Credit Card

IDBI Bank · Open to apply

IDBI Bank's Mastercard World travel card: 6 Delight Points per Rs.100 on travel and 3 on everything else, 12 lounge visits a year, Rs.25 lakh air accident cover and a Rs.1,499 annual fee from year two (waived above Rs.1.5 lakh of spend).

Annual fee
₹1,499 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹1,50,000 spend per card year
Base rate
3 Delight Points for every Rs.100: 3 IDBI Delight Points per ₹100
Lounges
Domestic: 12 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 6 Delight Points for every Rs.100 on travel (hotels, airlines, bus bookings): 6 IDBI Delight Points per ₹100

Earns nothing on

  • No Delight Points on cash disbursements and securities brokers
  • No Delight Points on insurance
  • No Delight Points on government payments, taxes and fines
  • No Delight Points on fuel

Where the sources disagree

  • IRCTC and railway spends: The page puts IRCTC among the 6-point travel spends, but the MITC lists passenger railways (MCC 4112) among the transactions that earn no Delight Points. We enter travel at 6 points and note the MITC's exclusion.

Terms the calculator does not value

  • IDBI's documents give no rupee value per Delight Point (a third-party figure of Rs.0.25 was removed), so points are valued at zero and the card's reward value is understated. Redemption minimums and the Rs.20 fee for cashback redemptions of 1,000 to 4,000 points (MITC) are not modelled.
  • The MITC excludes passenger railways (MCC 4112) from Delight Points; the calculator's travel-other category also holds other travel, so rail spend is not carved out.

Sources

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