IDBI Bank Royale Signature Credit Card

Charge

• Cash Advance Transaction Fee: 2.5% of transaction amount or ₹500 whichever is higher.
• Finance/Service Charge (Royale): Interest on Revolving Credit 2.50% p.m. (30.00% p.a.) and Interest on Cash Advances 2.50% p.m. (30.00% p.a.).
• Over limit Fee: 2.5% of over limit amount subject to minimum ₹500.
• Cheque/Auto Debit Return Charges: ₹500.
• Cash Deposit Charges at IDBI Bank Branches towards Credit Card payment: ₹200.
• Duplicate Statement Request: ₹100 per statement (more than 03 months old).
• Card Replacement Fee: ₹200.
• 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.
• Late Payment Charges (per statement balance): <=₹500 Nil.
• >₹500 to <=₹5000 ₹400.
• >₹5000 to <=₹10000 ₹500.
• >₹10000 to <=₹20000 ₹750.
• >₹20000 ₹950.
• International transaction mark-up 3.5%.
• Balance Transfer Fees: 1.5% of BT amount or ₹199 whichever is higher.
• Reward Redemption Fee (Royale): Nil.
• Card Account Closure Charges (Royale): NIL.
• Charges on Purchase or Cancellation of IRCTC Tickets: As Prescribed by IRCTC/Indian Railways.
• Foreign transactions in Nepal and Bhutan not valid for foreign currency.
• All charges effective from April 13, 2023.
• Exclusive of GST.

Verified · MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature) · 2026-08-02 · source

Interest-free period

Up to 18 to 48 days interest-free credit period (subject to scheme; not applicable if previous month's balance not cleared in full or if cash advance availed).

Verified · Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers Royale variant) · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge Waiver - Yes: 1% fuel surcharge refunded for transaction value minimum ₹400, maximum up to ₹5000, maximum waiver of ₹500 per month.

Verified · MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature) · 2026-08-02 · source

Milestone benefit

• 1,500 bonus Delight Points on net annual spends of ₹2 lakhs.
• And 2,000 bonus Delight Points on net annual spends of ₹4 lakhs.

Verified · Royale Signature Credit Card product page · 2026-08-02 · source

Redemption value

• Delight Points earned on add-on cards are clubbed with primary card points and can be redeemed as per the higher eligibility.
• Points credited to customers expire in 3 years.
• Points credited under a campaign or promotional offer expire in 1 year.
• Reward Redemption Fee (Royale): Nil.

Verified · MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature) · 2026-08-02 · source

Reward exclusion

Verified · MITC – IDBI Bank Credit Card (General, covers all credit cards including Royale Signature) · 2026-08-02 · source

Eligibility

• Add-on Royale Signature Credit Card available for family members above 18 years (up to two add-on cards).
• Delight Points and credit limit shared between primary and add-on cardholders.
• Cash withdrawal limit up to 20% of the Credit Limit with a maximum daily withdrawal limit of ₹15,000.

Verified · Royale Signature Credit Card product page · 2026-08-02 · source

Official terms

https://www.idbi.bank.in/royal-credit-card.aspx.

Verified · Royale Signature Credit Card product page · 2026-08-02 · source