IDBI Bank Euphoria World Credit Card Review

There are so many credit cards available for the customers of IDBI Bank for their needs. IDBI Bank Euphoria World Credit Card is one of them. This card is specially designed for travel purposes. There are some exclusive rewards and benefits available for the cardholders such as Reward points, lounge access, Fuel surcharge waiver, zero lost card liability, etc. This card also comes with a big welcome gift and some exclusive benefits from MasterCard. Now let’s discuss the benefits of the card in detail. 

Eligibility Criteria:

** The Bank has not mentioned the eligibility criteria clearly, But as per our experience, we can say that it should be like this. 

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly.
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹1499 (From the second year onwards)


  • Welcome benefit:

If you can spend ₹1500 on your card within the first 60 days of the card issuance, you will get a welcome gift of 4000 reward points.

Also, you will get 2000 delight points per year after paying the annual fees. 

  • Reward benefit:

Will get 6 delight points for each ₹100 to spend on traveling, dining, shopping, hotel booking, bus tickets, airline, IRCTC, etc. 

  • Lounge access:

This card gives you free access to domestic lounges. This lounge benefit is offered by MasterCard.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharge across all petrol pumps in India. You can save a maximum of ₹500 per month and the transaction amount should be between ₹400 to ₹5000.

  • Insurance Coverage:

This card comes with air accidental coverage of ₹25 lakh. 

  • Lost card liability coverage:

DIBI Bank provides a zero lost card liability on this card. It gives you coverage for the fraudulent transactions that happen after reporting the loss. 

  • MasterCard benefits:

You will get some special benefits from MasterCard which includes exclusive deals on shopping, travel, car rental, etc. 

  • Global Acceptance:

You will be able to use your card at more than 9 lakh merchants in India and more than 29 million merchants outlet outside India.

  • Add on Card:

You can add your loved ones with your card as an add-on member, and they can also enjoy the benefits of having a credit card. The minimum age of the add-on member should be 18 yrs. 

  • Interest-Free Period:

This card offers an interest-free period of 48 days. 

  • Security:

This card has a built-in EMV Chip, this chip is designed to add more security and convenience to your transactions. 


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 2.9% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800-209-4324

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want to earn reward points from your travel-related expenses, and want a low-cost travel credit card then this card can be a good option for you. It offers up to 6 reward points for your travel-related expenses, Lounge access, zero lost card liability, reward points on card renewal, fuel surcharge waiver, etc.

But this card does not feature any benefits on shopping, dining, and golf. So if you are looking for a Card that can offer you benefits on shopping, and Dining, then you can go for Standard Chartered DigiSmart Credit Card, it offers exclusive benefits on shopping and online food order. If you want benefits on Golf, then you can go for Axis Bank Select Card. And if you want to earn reward points then you can go for HDFC Bank Diners Club Privilege Credit Card

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