IDBI Euphoria World Credit Card Review

The IDBI bank euphoria world card is a mid-tier credit card designed specifically for everyday usage. While this card comes with an annual fee of Rs.1499, it offers you useful delight points on every transaction, free access to airport lounges, air accident and lost card liability coverage, etc. which can offer you some handsome monthly savings and the luxury that you are looking for. More about the idbi credit card details are discussed below.

How does the idbi euphoria credit card eligibility work?

** 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. 
  • IDBI credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly.
  • IDBI bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly. 
  • A good CIBIL Score (750 or more) is mandatory to apply for this idbi credit card.

You acn apply for this card from the idbi credit card online application portal, once your idbi bank credit card application form is submitted successfully, you will get a unique application id. Later, that id can be used for your idbi credit card application tracking.

What documents are required to apply for an idbi bank credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

As per the new rules, all new credit cards are now delivered in an inactive state, and to start using them, you need to activate your card manually by generating a new credit card PIN. You can find more about the idbi credit card activation process from our faq page.

What are the IDBI Bank euphoria world credit cards fees?

  • IDBI euphoria credit card joining fee: None. 
  • IDBI euphoria credit card annual fee: Rs.1499 (From the second year onwards)

What are the IDBI Bank Euphoria world credit card benefits?

  • Get started with a huge joining bonus:

As you perform your very first transaction within the first 60 days of your idbi card activation, you will receive 4,000 idbi delight points as a welcome gift. 

  • Make every transaction rewarding:

Category of transaction

Rate of earning reward points
Every Rs.100 spent on travel expenses 6 idbi delight points
Every Rs.100 spent on all other categories 3 delight points

You can check the status of your reward points from your idbi credit card online banking account.

  • Add comfort to your travel:

Under the master card credit card lounge access program, this idbi credit card offers you free access to most of the leading domestic airport lounges. 

  • Enjoy freedom from fuel surcharges:

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

  • Insurance coverage:

This idbi bank card comes with air accidental death coverage of Rs.25 lakh. You can call the idbi customer care number to claim the benefits of the coverage. 

  • A card that can protect you:

You will get complimentary liability coverage on this idbi card. That means if your card ever gets lost or stolen, then you just have to report it by calling the idbi bank helpline number and you will no longer be liable for anything bad that may happen to your account.

  • Cutting-edge security:

This IDBI world mastercard credit card is equipped with the advanced EMV chip, these chips use a very strong encryption method to store your data, making your card nearly impossible to clone. 

But fraudulent transactions can happen anytime, and if you notice something suspicious with your account, then you should immediately report it by calling the idbi credit card customer care department, you can also temporarily block your account from your idbi netbanking account.

  • Your most useful travel companion:

This mastercard world card is accepted at over 9 lakh merchants in India and more than 29 Million merchants across the world.

What are the idbi credit card charges?


Payable amount

IDBI credit card cash withdrawal charges 2.5% against the transaction amount, min Rs.500 (check your available idbi bank credit card limit before making a withdrawal)
Finance charge The idbi credit card interest rate can go up to 3.4% monthly (Applicable if the idbi credit card payment is not made within the due date)
IDBI credit card foreign transaction charges 3.5% against the transaction amount
IDBI euphoria credit card add on card fee None 

How to contact the idbi bank credit card customer care department?

  • Call the idbi credit card customer care number: 1800-209-4324
  • Write to the idbi credit card customer care mail id:

100xGain Ratings: 


Pros and cons of the IDBI euphoria world card:



  • The rate of earning delight rewards is quite impressive.
  • You can enjoy free access to domestic airport lounges.
  • You can make some handsome savings on fuel surcharges.
  • You will not get any discount on travel or hotel booking.

Final Opinion:

After analyzing the idbi euphoria credit card benefits, I can say that this card is going to be beneficial for those who travel quite frequently. With the accelerated idfc rewards points on travel expenses and free access to domestic airport lounges, this travel credit card can prove to be very helpful for them.

But this idbi world credit card does not feature any discounts on flight booking or travel vouchers on milestone spending which can be a dealbreaker for many. So if you are looking for a better alternative then make sure to take a look at the alternative card options given below.

Alternative cards of the idbi bank euphoria world card: 

  1. axis bank indianoil credit card (Best for offering fuel benefits)
  2. idbi bank royale signature credit card (Best for offering reward points and fuel surcharge waivers)
  3. kotak silk inspire credit card (Best for offering reward points and fuel surcharge waivers) 
  4. vi credit card (Best for offering reward points)

4 thoughts on “IDBI Euphoria World Credit Card Review”

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