IDBI Bank Winnings Credit Card Review

If you are new in the credit card market and looking for a low-cost credit card, to begin with, then you would love the IDBI Bank Winnings credit card. Targeting the huge Indian customer base, this credit card features useful rewards with every transaction, free access to airport lounges, handsome waivers on fuel surcharges, and lots more. More about the benefits of the idbi bank card are discussed below.

How does the idbi bank credit card eligibility work?

  • Resident Type: Indian. 
  • IDBI credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • IDBI bank credit card minimum salary requirement: Rs.25,000 monthly. 
  • IDBI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • IDBI credit card age requirement: Rs.25,000 monthly. 
  • A CIBIL score of 680+ or more is needed to apply for this idbi card.

You can apply for this card from the idbi bank credit card apply online portal, after your application is submitted, you can track your credit card application status using your application id. The complete process is discussed on our faq page.

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.

What are the IDBI Bank Winnings credit card fees?

  • IDBI credit card joining fee: None.
  • IDBI credit card annual fee: Rs.899 + GST

What are the IDBI Bank Winnings credit card benefits?

  • Make your every transaction rewarding:

The idbi bank credit card reward points are offered like this.

Category of transaction

Reward points for every Rs.100 transaction

Regular credit card transaction

2 Delight points

5 successful transactions in an IDBI credit card statement cycle (Rs.1000 each)

500 Extra delight points

You can also get double rewards on your birthday months. You can check your reward balance from your idbi credit card net banking account.

  • Add comfort to your travel:

This idbi bank credit card offers you free access to most of the leading domestic airport lounges. You can click here for the idbi bank credit card lounge access list. 

  • Enjoy freedom from fuel surcharges:

This idbi credit card offers a 1% fuel surcharge waiver across all fuel stations in India. The transaction amount should be between Rs.4,000 to Rs.5,000.

  • Complimentary insurance coverage:

The details of idbi credit card insurance coverage are mentioned below.


Total coverage amount

Air accidental death coverage

Rs.10 lakh

Permanent disability coverage

Rs.10 lakh

  • Lost card liability coverage:

This IDBI rupay credit card comes 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 atm withdrawal charges

2.5% against the amount, min Rs.500 (check your idbi bank credit card limit before making a withdrawal)

IDBI credit card finance charge

The idbi credit card interest rate can go up to 3.4% monthly (applicable if your idbi bank credit card payment is not made in time)

Foreign currency conversion charge

3.5% against the amount

IDBI add-on credit 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) / 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 winnings card:



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

Final Opinion:

As mentioned before, this idbi bank card is most suitable for first-time users. Those who are looking for a secondary credit card can also find this card helpful. It offers assured idbi card rewards with every transaction, free access to domestic lounges, and a handsome monthly waiver on fuel surcharges which can easily justify the Rs.899 annual fee.

Beautiful you are looking for a better alternative, then feel free to take a look at the alternative card options given below. Hopefully, it will help you in making an informed decision.

Alternative cards:

  1. Bajaj Finserv RBL Bank World Plus SuperCard (Best for lounge and movie benefits)
  2. ICICI Bank Rubyx Credit Card (Best for lounge and dining benefits) 
  3. Chennai metro SBI card (Best for travel benefits)
  4. YES Prosperity Edge Credit Card (Best for lounge and golf benefits)

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