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IDBI Bank
RuPay
Winnings

IDBI Bank Winnings

IDBI Bank's RuPay Select card with quarterly domestic and half-yearly international lounge access, 2 Delight Points per ₹100 spent, and annual fee waived on ₹90,000+ spend.

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Last reviewed 26 July 2026

Fees

Joining fee

₹0

Annual fee

₹899

Waiver: Renewal (year-2 onward) fee of ₹899 is waived if spends exceed ₹90,000 in the preceding year

Eligibility

Age: 21–60 yrs

Employment: salaried, self employed

Rewards

all other2x points

Welcome benefits

  • • 500 Delight Points on card activation
  • • 500 Delight Points for the first transaction of ₹1,000 or more made within 30 days of card activation

Perks

  • ✓Domestic lounge access: 8/yr2 complimentary visits per calendar quarter at participating domestic airport lounges
  • ✓International lounge access: 4/yr2 complimentary visits per calendar half-year at participating international airport lounges
  • ✓Fuel surcharge waiver: 1%On fuel transactions between ₹400–₹4,000 per the official IDBI page (BankBazaar states ₹400–₹5,000); total waiver capped at ₹400/month
  • ✓Forex markup: 3.5%
  • ✓Accidental death and permanent disability cover of ₹10 lakh each, for cardholders aged 18–70 with recent card transaction activity
  • ✓Zero liability protection for fraudulent transactions once loss is reported
  • ✓Up to 48 days of interest-free credit period on purchases
  • ✓Milestone bonus: 1,000 Delight Points at ₹1 lakh annual spend, and 1,500 more at ₹2 lakh annual spend
  • ✓Self-employed applicants eligible up to age 65
  • ✓Add-on cards available for family members aged 18+ at no extra fee
  • ✓RuPay Select network with wide acceptance including UPI linkage

Common questions

What is the annual fee on the IDBI Bank Winnings?
The joining fee is ₹0. The annual fee is ₹899. Renewal (year-2 onward) fee of ₹899 is waived if spends exceed ₹90,000 in the preceding year
What are the reward rates on the IDBI Bank Winnings?
IDBI Bank Winnings earns 2x points on all other spends.
Does the IDBI Bank Winnings offer airport lounge access?
Yes: 8 domestic lounge visits per year (2 complimentary visits per calendar quarter at participating domestic airport lounges) and 4 international lounge visits per year (2 complimentary visits per calendar half-year at participating international airport lounges).
Who is eligible for the IDBI Bank Winnings?
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.

₹
2x points
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