IDBI Euphoria World Credit Card
- Joining fee
Nil
- Annual fee
Rs. 1,499 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.
- Welcome benefits
4,000 delight points
- Reward redemption
1 Delight Point = Rs. 0.25.
Benefits
- Travel
Complimentary airport lounge access
- Domestic lounge
Complimentary domestic lounge access to selected lounges in India.
- Insurance
You get an air accident insurance coverage worth Rs. 25 lakhs.
Fees & charges
- Spend-based waiver
The renewal fee is waived off if you spend Rs. 1,50,000 or more in the previous year.
- Rewards redemption fee
Rs. 99
- Foreign currency markup
3.5% on all foreign currency transactions
- Interest rates
2.9% per month
- Fuel surcharge waiver
1% fuel surcharge waiver for all transactions between Rs. 400 & Rs. 5,000.
- Cash advance charges
2.5% of the cash withdrawn or Rs. 500 (whichever is higher)
Product highlights
- No joining fee.
- You get 3 Delight Points on every Rs. 100 you spend using your IDBI Euphoria World Credit Card.
- You get 6 Delight Points on every Rs. 100 you spend on Airline/hotel bookings/ Bus bookings/ IRCTC, etc.
- Welcome gift of 4,000 Delight Points.
- Complimentary airport lounge access.
- Insurance cover against air accidents.
- 1% fuel surcharge waiver up to Rs. 500 per month.
- Spend-based renewal fee waiver.
FAQs
Can I redeem my earned Delight Points after 1 year of accrual?
Yes, the Delight Points you earn through your IDBI Euphoria World Credit Card can be redeemed any time within the 3 years after the accrual month.
Does this card provide lounge access at airports outside India?
No, the IDBI Euphoria World Credit Card doesn’t provide any lounge access at airports outside India, but it provides complimentary airport lounge access at several airports in India.
What is the maximum eligible age of self-employed individuals to apply for this card?
The maximum eligible age of the self-employed individuals to apply for this card should be 65 years.
How many minimum Delight Points do I need for redemption against cash?
You need a minimum of 4,000 Delight Points for redemption against cash with your IDBI Euphoria World Credit Card.
What is the value of 1 Delight Point?
The value of 1 Delight Point is Rs. 0.25, i.e., 4 Delight Points = Re.1.