IDBI Bank Winnings Credit Card Review

IDBI Bank has some extraordinary credit cards for their customers for their different types of needs. The IDBI Bank Winnings Credit Card is one of them. This card will always keep you one step ahead. Cardholders will get some awesome benefits from this card.

The card offers some extra security, convenience, and flexibility which will help you. The benefits of the card are a welcome reward, reward points, birthday gift, interest-free period, fuel surcharge waiver, personal insurance coverage, airport lounge access, worldwide acceptance, add-on card, lost card liability, etc. Let’s discuss the card in details-

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 65 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: ₹499 + GST


  • Welcome benefit:

If you spend a minimum of ₹500 on your card in between 3 months of the issue of the card you will get 10% Cash-Back on your all transaction as a welcome gift. The maximum Cash-Back amount is ₹500. 

You will get 500 delight points if you spend ₹1000 for five times.

  • Reward benefit:

If you spend ₹100 on traveling, dining, shopping, or movies, you will get 2 delight points.

  • Birthday benefit:

You will get double delight points on your birthday month.

  • Lounge access:

You will get lounge access to domestic and international lounges with your card. The total number of lounge access you can get in a year depends on current offerings. To keep yourself updated about current Indian credit card offers, subscribe to our e-mail newspaper facility.

  • Fuel surcharge waiver:

You will get freedom from a 1% fuel surcharge across all petrol pumps in India, you can save a maximum of ₹400 per month. To avail of this offer, you have to transact between Rs.400 to Rs.5000.

  • Insurance Coverage:

This card offers ₹10 lakh coverage against air accidental death and ₹10 lakh coverage for permanent disability due to the accident.

  • 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 benefit:

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 39.3 million merchants and more than 1.88 million ATMs in India and outside India for ticket bookings of Bus, Air, IRCTC, movie, hotels, and shopping, utility bill payments, dining, recharge, etc.

  • Interest-free credit period:

This card offers an interest-free credit 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.

  • Welcome kit:

You will get a welcome kit with the card from your Bank. There will be some card-related documents like agreement paper, usage policy of the card, MITC (Most Important Terms and Conditions), etc.

  • Easy bill payment:

You can pay your credit card bill very easily via Draft or Cheque, Net Banking, Visa money transfer, NEFT, Auto debit facility, I pay, etc.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.4% monthly. 
  • Foreign currency transaction: 3.5% against the amount. 

Contact Details:

Call: 1800-209-4324

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are looking for a low-cost credit card for travel and daily use, then this card will be a very good option for you. You will get 2 reward points for each ₹100 transactions, double reward points on birthdays, lounge access, fuel surcharge waiver, zero lost card liability coverage, global acceptance, add-on facility, and lots more. So if you are looking for a budget travel card, then this card can be a very good option for you. 

Undoubtedly, this is a very good credit card, but if you want to spend more and have a more premium credit card, then you can go for IndusInd Bank InterMiles Voyage Credit Card, and if you want to have benefits like golf access, shopping, or dining privilege you can go for RBL Bank Icon Card or Axis Bank Neo Credit Card.   

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