IDBI Bank

IDBI Bank Euphoria Credit Card: Fees, Charges, Features & Eligibility

Do you want to make your travel experiences luxurious? The solution to take your travel experiences to the next level is the IDBI Euphoria Credit card! From now on you can easily travel to the most amazing and mesmerizing places, enjoy a meal at the most amazing restaurant and have the trip of your dreams. The IDBI Euphoria world credit card will make this happen. If you want to know more about this IDBI Euphoria World Credit Card then make sure that you stick around till the very end and make your dreams come true!

IDBI Bank Euphoria Credit Card

Features and Benefits

Let us move on and go through all the features of the IDBI Euphoria World Credit Card –


  • Welcome offer: The Euphoria World credit card offers a welcome benefit. It offers 4000 reward points on your first transaction of Rs. 1500 and above within the first 60 days of your card issuance.
  • Rewards Points: One of the most amazing features of the Euphoria World Credit Card is that it offers 6 reward points for every 100 rupees that you spend.
  • Fuel Surcharge Waiver: The IDBI Euphoria world credit card offers a waiver of 1% every time you use your credit card at fuel stations. This is only valid for amounts between Rs. 400 to Rs. 5000.
  • Wider Acceptance: The IDBI Euphoria World credit card is widely accepted. It is accepted by over 9 lakh merchants in India and around 29 million merchants all over the world.
  • Travel Accident Insurance: An air travel accident insurance cover of Rs. 25 lakhs is also offered by the IDBI Euphoria World Credit card.
  • Airport Lounge Access: It also offers select airport lounge access in India regardless of the airline you fly with.
  • Family Cards: You can apply for 2 add-on cards for your family members. But you have to remember that the add-on cardholders should be of 18 years and above. You also have to note that the reward points that you earn on the add-on cards will be added to the main card.
  • Interest-free Period: The Euphoria World Credit card offers 48 days of interest-free credit on your purchases. You also get to choose if you want to pay the full outstanding amount, the minimum amount due or even you can pay an amount higher than the minimum amount.

So these are the features of the IDBI Euphoria World Credit card. Now that you have understood all the features let us move on and understand the reward points and how you can redeem them.

Reward Points

What are reward points and how can we redeem them?

The IDBI Euphoria World Credit Card offers reward points which are termed ‘Delight’ points. So when you join the card you can earn 6 Delight Points for every 100 you spend on travel-related expenses which can be for hotels, airlines, bus bookings, restaurants, etc. You can also earn 3 delight points on any other transactions that you make with the help of the IDBI Euphoria world Credit card.

When it comes to redeeming your delight points you can either use them to pay off your outstanding balance or even in the form of cashback. So earn as many reward points as you can which is how you will be earning money in the form of delight points even while spending it.

Fees and Charges

Joining FeeFree
Annual FeeRs. 1499 (From second year onwards)
Waived min spend 1,50,000 in preceding yers
Add-on Card FeeFree
Interest on revolving Credit Facility2.9% per month
Cash Advance Transaction Fee2.5% of Transaction amount or Rs. 500, (whichever is higher)
Interest on Cash Advance2.9% per month
Late Payment FeeUp to Rs. 500 = Nill
Rs. 500 to Rs. 5000 = Rs. 400
Rs. 5000 to Rs. 10000 = Rs. 500
Rs. 10000 to Rs. 20000 = Rs. 750
Above Rs. 20000 = Rs. 950
Foreign Transaction Fee3.5% Cross Currency Mark up
Over Limit Fee2.5% of the over limit amount Min Rs. 500
Rewards Redemption FeeNill
Free Credit Period48 days (depends on your statement date)
Cheque / Auto Debit
Return Charges
Rs. 500
Card Replacement FeeRs. 200
Balance Transfer FeesMin Amount: Rs. 3000
1.5% of amount or Rs. 199 (whichever is higher)

EMI Facility

  1. The IDBI Royale Signature Credit card offers an EMI facility for purchases of Rs. 3000 and above. 
  2. So you do not have to worry about large purchases as you can easily grab the EMI facility and repay the amount in 3, 6, 9, or even 12 months.
  3. The interest rate charged will be 13% per annum.
  4. The best thing about this EMI facility is that there is no process or foreclosure fee. 

Eligibility Criteria

The eligibility criteria for the IDBI Euphoria World Credit Card is as follows –


  • Bank Account: You must have a Savings or Current Account in IDBI Bank
  • Age: Banks have a minimum requirement of 21 years, while you can avail of credit for a maximum age of 60 years. (65 years for self-employed)
  • Credit Score: To avail of a credit card, you should have a minimum Credit Score of‭ ‬650.‭ If you have a bad score, your application will likely be rejected. Your chances of getting a credit card increase, If you have a good credit score, anywhere from 750 to 900.
  • Monthly Income: To avail of a credit card,‭ ‬a steady flow of income is required.‭ ‬Both salaried and self-employed can avail of a card as long as you provide proof of steady income flow.
  • Nationality: Only Indians and Non-Resident Indians are eligible

Documents Required

Here are the documents required to complete the application process for the IDBI Royale Euphoria World Card –

Identity ProofAadhaar Card, PAN Card, Voter ID Card, Passport, Driving Licence
Address ProofAadhaar Card, Passport, Driving Licence, Utility Bill (Electricity, Gas, Water…) not more than 3
month’s old, Ration Card, Property Registration Document/Rent agreement or any other government approved address proof
Income ProofLatest 3 months Salary Slip / Latest 3 months Bank Statement / Income Tax Returns (ITR) / Form 16

Pros & Cons

Now let’s move on and see the pros and cons of the IDBI Euphoria World Credit card –

Here are the pros of the IDBI Euphoria World Credit card –

  1. The IDBI Euphoria World Credit card is widely accepted all over India so you can use it whenever you want.
  2. You can earn money even when you spend it. This is possible with delight points.
  3. The IDBI Euphoria world credit card offers a whooping 6 delight points on every travel-related transaction. Not only this but you also earn 3 delight points on every other expense. So the more delight points you earn the more money you make.
  4. You can fly with luxury as you get access to airport lounges in India with the help of the IDBI Euphoria World Credit Card.

These are the pros of the IDBI Euphoria World Credit card. Everything has some plus and minus points. When it comes to the IDBI World credit card the only minus point or the only con is that this card is only beneficial for people who travel frequently. If you are someone who does not travel often then this card might not be the best choice for you.

Now that you are aware of the amazing benefits that the IDBI Euphoria World Credit card offers, you must be wondering how you apply for the same. So let us now move on and see how you can get the IDBI Euphoria World Credit Card for yourself.

How To Apply

How can you apply for the IDBI Euphoria World Credit card?

You can apply for the IDBI Euphoria World Credit Card by visiting the nearest branch. Or you can also call the IDBI on their official numbers which are
1800 425 7600 and 022 4042 6013. This line functions 24*7. So you can get a hold of them at any time. Once you call the branch the representatives will get in touch with you as soon as possible and then further you can complete the application process under their guidance.

Customer Care

IDBI Bank Euphoria Credit Card Customer Care Number

Suppose you have a credit card-related inquiry, complaint, or issue. In that case, you can directly give a call on the Bank of IDBI Bank Toll Free Customer Care Number: 1800 425 7600 or Non Toll Free Number: 022 4042 6013 (24×7 service) Or, you can send your query via email: [email protected]

So now we have covered everything about the IDBI Euphoria World Credit card. If you are someone who loves traveling this is the perfect card for you. So what are you waiting for? Go and get your IDBI Euphoria world Credit Card and make your dreams come true!


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