IDBI Bank Euphoria World Credit Card

Lounge access

Complimentary access to select airport lounges in India for Euphoria cardholders, regardless of airline or class flown.

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Forex markup

3.5% mark-up over and above the cross-currency conversion rate for all international transactions (Cross Currency Mark up of 3.5%).

Verified · MITC – IDBI Bank Credit Card (General, covers all variants including Euphoria) · 2026-08-02 · source

Charge

• Schedule of Charges (Effective April 13, 2023), all exclusive of GST: Interest on Revolving Credit 2.90% p.m. (34.80% p.a.).
• Interest on Cash Advances 2.90% p.m. (34.80% p.a.).
• Cash Advance Transaction Fee 2.5% of transaction amount or ₹500/- whichever is higher.
• Over limit Fee 2.5% of over limit amount subject to minimum ₹500/-.
• Cheque/Auto Debit Return Charges ₹500/-.
• Cash Deposit Charges at branches towards Credit Card payment ₹200/-.
• Duplicate Statement Request ₹100/- per statement (more than 03 months old).
• Card Replacement Fee ₹200/-.
• Foreign Currency Conversion / Cross Currency Mark up 3.5%.
• EMI Rate of Interest 13% p.a. (tenures 3,6,9,12,18,24,30,36 months).
• EMI Conversion Fees Nil.
• EMI Foreclosure Fees Nil.
• Reward Redemption Fee Nil.
• Card Account Closure Charges NIL.
• Charges on Purchase/Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
• Late Payment Charges (per statement): <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
• Balance Transfer facility currently not provided by the Bank.

Verified · MITC – IDBI Bank Credit Card (General, covers all variants including Euphoria) · 2026-08-02 · source

Interest-free period

• Interest free credit period of up to 48 days (ranges from 18 to 48 days depending on scheme and date of purchase).
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · MITC – IDBI Bank Credit Card (General, covers all variants including Euphoria) · 2026-08-02 · source

Fuel surcharge waiver

• Complete waiver of 2.5% fuel surcharge (1% fuel surcharge refunded per KFS) for transactions in the range of ₹400 to ₹5000.
• Maximum waiver ₹500/- per month (service tax/GST applicable).

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Milestone benefit

• EMI facility: convert purchases of ₹3000/- and above into Equated Monthly Installments (EMI) over 3, 6, 9 or 12 months at nominal interest rates (13% p.a.).
• Threshold ₹3000.
• Window not applicable (always-on facility).

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Redemption value

• Delight points can be redeemed against a wide range of handpicked gifts and souvenirs or as cash back in your account.
• Reward Redemption Fee Nil.
• Points expiry: points credited to customers expire after 3 years.
• Points credited under a campaign or promotional offer expire after 1 year.

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Reward exclusion

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Travel benefit

• Wider acceptance: card usable at over 9 lakh merchant establishments in India and over 29 million merchant establishments abroad.
• Usable for shopping, booking IRCTC & air tickets, utility bill payments online.

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Insurance

Comprehensive Air Travel Accident Insurance Cover worth ₹25 lacs (requires minimum 2 purchase transactions within 90 days prior to event date for claim processing).

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source

Eligibility

• Add-on/Family cards available for family members above 18 years.
• All benefits of primary card can be enjoyed by family members and joint reward points can be redeemed.

Verified · Card Usage Guide & Rewards Terms – Euphoria Credit Card · 2026-08-02 · source