IDBI Bank Royale Signature Credit Card Review

IDBI bank royale signature credit card is one of the best credit cards offered by IDBI Bank. Targeting the huge Indian customer base, this idbi credit card offers assured rewards with every transaction, free access to airport lounges, a handsome monthly waiver on fuel surcharges, and a very low-credit card interest rate on revolving credit, which makes it an ideal credit card for beginners. More about the benefits of the card are discussed below.

Who can apply for the IDBI bank royale signature credit card?

  • Resident Type: Indian. 
  • IDBI credit card eligibility criteria for salaried person:
    • IDBI credit card minimum age requirement: 18 to 60 yrs.  
    • Income: Rs.25,000 monthly. 
  • IDBI bank credit card eligibility criteria for self-employed person:
    • Age required for credit card application: 18 to 60 yrs. 
    • Income: Rs.25,000 monthly. 
  • A CIBIL score of 690+ is needed to apply for this idbi card.

You can apply for this card from the idbi credit card apply online portal. If you are unfamiliar with the credit card application process, then you can get some help from our faq page

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

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • 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
      • Recently audited financial report.

What are the IDBI royale credit card fees?

  • IDBI bank card joining fee: None. 
  • IDBI bank card annual fee: Free for a lifetime.

What are the IDBI royale signature credit card benefits?

  • Get started with a huge joining bonus:

As you perform your first transaction within the first 30 days of your idbi card activation, you will receive 750 Delight points. Also if you perform your first transaction (min Rs.1500) between 31 to 90 days of your credit card pin activation, you will receive 400 idbi delight points.

  • Make every transaction rewarding:

For each Rs.100 spent with your card, this idbi bank credit card offers 3 reward points. You can also check your reward balance from your idbi credit card online banking account.

  • Add comfort to your travel:

Using this IDBI signature credit card you can get access to some of the most premium airport lounges across the country. Click here for the IDBI credit card lounge access list.

  • Enjoy freedom from fuel surcharges:

This idbi credit card offers a 1% credit card fuel surcharge waiver across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5000 and you can earn up to Rs.500 savings every idbi bank statement cycle.

  • Complimentary insurance coverage:

This IDBI lifetime free credit card features an air accidental coverage of Rs.25 lakh, providing you with better security while traveling.

  • Lost card liability coverage:

This royale credit card is secured with a complimentary lost card liability coverage, which means if your card ever gets lost or stolen, you just have to report it by calling the idbi customer care number and you will no longer be liable for anything bad that may happen to your account.

What are the idbi credit card charges?


Chargeable amount

IDBI credit card withdrawal charges

2.5% against the amount, minimum Rs.300 (check your credit card cash withdrawal limit before making a withdrawal)

IDBI signature credit card finance charge

The IDBI royale credit card interest rate is 2.5% monthly (applicable if your credit card balance is not cleared in time)

IDBI international credit card transaction fee

3.5% against the transacted amount

IDBI card add on card fee 


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

  • Call the idbi credit card customer care number: 1800-209-4324 (Toll-Free)
  • 1800 425 7600 (Toll-Free) or 022-6771-9100 or 022-4042 6013
  • Write to the idbi credit card customer care mail id:

100xGain Ratings: 


Pros and cons of the IDBI royale credit card:



  • You can earn assured idbi delight points with every transaction.
  • This idbi credit card offers you free access to airport lounges.
  • There are no dining or entertainment benefits on this idbi bank card.

Final Opinion:

As mentioned before, this card is most suitable for first-time applicants, especially because of its low maintenance cost and minimal idbi credit card interest rate on revolving credit. It also lets you enjoy free access to airport lounges and assured credit card reward points with every transaction.

But if you are ready to budget an annual fee of Rs.1000 or more, then I would suggest you take a look at our best cards page to find out the best credit cards for beginners in india

Alternative cards: 

  1. BOI India Credit Card (Best for reward points) 
  2. IDBI Bank Imperium Platinum Credit Card (Best for reward points)
  3. Kotak Mahindra Royale Signature Credit Card (Best for travel and fuel benefits)
  4. Vi Credit Card (Best for reward points) 

2 thoughts on “IDBI Bank Royale Signature Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: