IDBI Bank Winnings Credit Card
IDBI Bank · Open to apply
IDBI Bank's RuPay Select card: 2 Delight Points per Rs.100, 10% cashback on utility bills (up to Rs.100 a month) and 5% on dining (up to Rs.50 a month), 2 domestic lounge visits a quarter and Rs.10 lakh accident cover. Annual fee Rs.899 from year two, waived above Rs.90,000.
- Annual fee
- ₹899 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹90,000 spend per card year
- Base rate
- 2 Delight Points for every Rs.100: 2 IDBI Delight Points per ₹100
- Lounges
- Domestic: 2 visits a calendar quarter; International: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10% cashback on utility bills, up to Rs.100 a month: 10% in Cashback (rupees) on top of the base rate (about 10% at cash value)
- 5% cashback on dining, up to Rs.50 a month: 5% in Cashback (rupees) on top of the base rate (about 5% at cash value)
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
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
- IDBI Bank credit card Most Important Terms and Conditions (file dated 22 Oct 2026; schedule effective 2023-04-13) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IDBI Bank Winnings Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- IDBI Bank, complimentary insurance coverage on credit cards (Product page, the bank's own, read 6 Nov 2026)