IDBI Bank Winnings Credit Card

Charge

• Schedule of Fees & Charges effective April 13, 2023: Interest on Revolving Credit Facility 3.40% p.m. (40.80% p.a.).
• Interest on Cash Advances 3.40% p.m. (40.80% p.a.).
• Cash Advance Transaction Fee 2.5% of transaction amount or ₹500 whichever is higher.
• Late Payment Charges by statement balance: <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
• 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 ₹200.
• Duplicate Statement Request ₹100 per statement (more than 03 months old).
• Card Replacement Fee ₹200.
• EMI Rate of Interest 13% p.a.
• EMI Conversion Fees Nil.
• EMI Foreclosure Fees Nil.
• Foreign Currency Conversion Charges Cross Currency Mark up of 3.5%.
• Reward Redemption Fee Nil.
• Card Account Closure Charges NIL for Winnings.
• Charges on Purchase or Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
• All fees and charges exclusive of applicable GST.

Verified · IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings] · 2026-08-02 · source

Interest-free period

Free credit for up to 48 days on purchases (interest free credit period ranges 18 to 48 days depending on transaction date).

Verified · IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms) · 2026-08-02 · source

Fuel surcharge waiver

• Complete waiver of 1% fuel surcharge across all fuel stations for transactions in the range of ₹400 - ₹4000.
• Maximum waiver of ₹400 per month.

Verified · IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms) · 2026-08-02 · source

Milestone benefit

• 500 bonus delight points on first transaction of ₹1,000 or more within 30 days of card activation.
• 1,000 points on net annual spends of ₹1 lakh.
• 1,500 points on net annual spends of ₹2 lakh.

Verified · Winnings Credit Card product page · 2026-08-02 · source

Redemption value

• Reward Redemption Fee: Nil (for all card variants).
• Points credited to customers have an expiry period of 3 years.
• Points credited under a campaign or promotional offer expire in 1 year only.

Verified · IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings] · 2026-08-02 · source

Reward cap

• Points expiry: points credited to customers expire in 3 years.
• Points credited under a campaign/promotional offer expire in 1 year.

Verified · IDBI Bank Credit Card – Most Important Terms & Conditions (MITC) [covers all IDBI credit cards incl. Winnings] · 2026-08-02 · source

Reward exclusion

Verified · IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms) · 2026-08-02 · source

Concierge

Personal Concierge Services via toll free 1800-26-78729: Golf Course Reservation Assistance, Car Rental Reservation Assistance, Hotel Referral and Reservation Assistance, Dining Referral and Reservation Assistance, IT Return Assessment and Filing Assistance, Investment/Insurance Consultancy.

Verified · IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms) · 2026-08-02 · source

Insurance

• Personal Accident cover: Accidental Death cover of ₹10.00 lakh and Permanent Disability cover of ₹10.00 lakh.
• Criteria: Age 18 to 70 years.
• One successful financial or non-financial transaction at any channel in the last 90 days prior to the incident.

Verified · IDBI Bank Winnings Credit Card – Card Usage Guide (Rewards / Program Terms) · 2026-08-02 · source