IDBI Bank Royale Signature Credit Card Review

IDBI Bank Royale Signature Credit Card is one of the best credit cards from IDBI Bank, this card is designed to give the customers benefits on travel, It also offers some premium lifestyle-related benefits. It offers reward points on your daily spends, some complimentary lounge access, Air accidental coverage, Fuel surcharge waiver, lost card liability coverage, etc. Let’s go deeper and discuss its benefits 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: 18 to 60 yrs.  
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 18 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
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹1499 + GST


  • Welcome benefit:

If you can make your first spend with this card within 30 days, you will get 750 reward points as a welcome gift. 

And if you make your first transaction between 31 days and 90 days, you will get 400 reward points. 

  • Reward benefit:

For each ₹100 spends on travelling, dining, shopping, or movies, you will get 3 reward points. 

  • Lounge access:

The visa card of this card will help you to use luxury service at airport lounges in India. You can fly in any airline and any class. Your card will provide all facilities on your journey. This lounge access benefit is provided by Visa. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges at all fuel stations in India, you can save a maximum of ₹500 monthly. The transaction amount should be between Rs.400 to Rs.5000, 

  • Insurance Coverage:

This card comes with air accidental coverage of ₹25 lakh. This offer applies to your business or other travels.

  • Lost card liability coverage:

IDBI Bank offers zero lost card liability coverage with this card, This offer covers the fraud transactions that are done after reporting the loss. So you should report your loss of card as soon as you notice it.

  • 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.

  • 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.

  • 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, minimum ₹300. 
  • Finance Charge: 2.5% 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 to have a low travel card, then this card can be a good option for you will get 3 reward points for each ₹100 transactions on travel and other categories, airport lounge access, air accidental coverage of ₹25 lakh, fuel surcharge waiver, lost card liability coverage, etc. 

But, if you want to spend more and have a more premium travel card, then you can go for American Express Platinum Travel Credit Card, or if you want a credit card for lifestyle-related benefits, you can go for Yes FIRST Preferred Credit Card or Axis Bank Select Credit Card.   

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