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IDBI Bank
VISA
Royale Signature

IDBI Bank Royale Signature

Lifetime-free Visa Signature from IDBI Bank with 3 Delight Points per ₹100 on all purchases, quarterly domestic lounge access, and 1% fuel surcharge waiver.

fees-freefirst-timerslifestyle

Last reviewed 20 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining fee and no annual/renewal fee for the life of the card

Eligibility

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

all other3x points

Welcome benefits

  • • 750 Delight Points on a first transaction of ₹1,500 or more made within 30 days of card activation (reduced to 400 points if the first transaction happens between 31–90 days)

Perks

  • ✓Domestic lounge access: 4/yr1 complimentary visit per calendar quarter at participating domestic airport lounges under the Visa lounge access programme
  • ✓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
  • ✓Delight Points redeemable as cashback at roughly ₹0.25/point (minimum 1,000 points to redeem), valid for 3 years from accrual
  • ✓Visa Signature privileges: offers on shopping, dining, hotels, and car rentals

Common questions

What is the annual fee on the IDBI Bank Royale Signature?
The joining fee is ₹0. The annual fee is ₹0. No joining fee and no annual/renewal fee for the life of the card
What are the reward rates on the IDBI Bank Royale Signature?
IDBI Bank Royale Signature earns 3x points on all other spends.
Does the IDBI Bank Royale Signature offer airport lounge access?
Yes: 4 domestic lounge visits per year (1 complimentary visit per calendar quarter at participating domestic airport lounges under the Visa lounge access programme).
Who is eligible for the IDBI Bank Royale Signature?
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.

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