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IDBI Bank
Euphoria World

IDBI Bank Euphoria World

IDBI Bank's mid-tier Mastercard offering 6 Delight Points per ₹100 on travel and 3 per ₹100 on other spends, 12 domestic lounge visits per year, and ₹1,499 annual fee waived on ₹1.5 lakh+ annual spend.

travellifestylefees-free

Last reviewed 26 July 2026

Fees

Joining fee

₹0

Annual fee

₹1,499

Waiver: Annual/renewal fee of ₹1,499 waived if total spend in the preceding year is ₹1,50,000 or more

Eligibility

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

travel6x points
all other3x points

Welcome benefits

  • • 4,000 Delight Points on a first transaction of ₹1,500 or more made within 60 days of card activation

Perks

  • ✓Domestic lounge access: 12/yr12 complimentary visits per calendar year at participating domestic airport lounges
  • ✓Fuel surcharge waiver: 1%On transactions between ₹400–₹5,000 at fuel stations; total waiver capped at ₹500/month
  • ✓Forex markup: 3.5%
  • ✓Concierge service
  • ✓Air travel accident insurance cover of ₹25 lakh
  • ✓Zero liability protection for fraudulent transactions once loss is reported
  • ✓Up to 48 days of interest-free credit period on purchases
  • ✓Up to 2 add-on cards for family members at no extra fee
  • ✓Milestone bonus: an additional 1,500 Delight Points on ₹2 lakh net annual spend, and 2,000 more on ₹4 lakh net annual spend
  • ✓2,000 Delight Points credited back as a renewal benefit when the annual fee is paid
  • ✓Accepted at over 9 lakh merchants in India and 29 million merchants abroad via Mastercard network
  • ✓Mastercard travel concierge services

Common questions

What is the annual fee on the IDBI Bank Euphoria World?
The joining fee is ₹0. The annual fee is ₹1,499. Annual/renewal fee of ₹1,499 waived if total spend in the preceding year is ₹1,50,000 or more
What are the reward rates on the IDBI Bank Euphoria World?
IDBI Bank Euphoria World earns 6x points on travel, 3x points on all other spends.
Does the IDBI Bank Euphoria World offer airport lounge access?
Yes: 12 domestic lounge visits per year (12 complimentary visits per calendar year at participating domestic airport lounges).
Who is eligible for the IDBI Bank Euphoria World?
Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by IDBI Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
6x points
₹
3x points
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