IDBI Euphoria World Credit Card

IDBI Bank presents the Euphoria World Credit Card, designed for maximum benefits and minimal charges. Enjoy a zero joining fee and kickstart your journey with a bonus of 4,000 Delight Points on eligible transactions. Earn 3 Delight Points for every Rs. 100 spent, and enjoy 2X points on flight/hotel/bus bookings, IRCTC, and more. Redeem your Delight Points across diverse categories such as travel, entertainment, cash, and more. Elevate your experience with a card that rewards you at every turn.

Key Highlights of IDBI Euphoria World Credit Card

Unlock unparalleled benefits with the IDBI Euphoria World Credit Card.

  1. No joining fee for IDBI Euphoria World Credit Card.
  2. Earn 3 Delight Points on every Rs. 100 spent.
  3. Enjoy 6 Delight Points on bookings (flights, hotels, buses, IRCTC).
  4. Welcome gift: 4,000 Delight Points.
  5. Access complimentary airport lounges.
  6. Receive insurance cover for air accidents.
  7. 1% fuel surcharge waiver, up to Rs. 500 per month.
  8. Renewal fee waiver based on your spending.

Features and Benefits of IDBI Euphoria World Credit Card

The IDBI Euphoria World Credit Card offers several features and benefits:

1. Airport Lounge Access:

  • Enjoy access to numerous domestic airport lounges with the IDBI Euphoria World credit card, regardless of the airline.
  • Check the available lounges here.

2. Rewards Points with IDBI Euphoria Card:

  • Earn 4,000 delight points on your first transaction (minimum Rs.1,500) within 60 days of card receipt.
  • Get 6 Delight Points for every Rs.100 spent on travel and 3 Delight Points on Hotel, IRCTC, Bus Bookings, etc.
  • Redeem delight points as cashback in your account.

3. Fuel Surcharge Waiver:

  • Receive a 1% waiver on fuel surcharge for transactions between Rs.400 to Rs.5,000 with IDBI Euphoria World Credit Card.
  • Maximum monthly waiver: Rs.500.

4. Exclusive MasterCard Offers:

  • Access special offers from MasterCard for travel-related services.
  • Note: Offers may vary at VISA’s discretion over time.

IDBI Euphoria World Credit Card Fees and Charges

Explore the fee structure for the IDBI Euphoria World Credit Card and discover the financial advantages that come with it.

1. Joining Fee:

  • Primary Card: Nil
  • Add-on Card: Nil

2. Annual Fee:

  • Primary Card: Rs. 1499 (From second year onwards)
  • Add-on Card: Nil

3. Renewal Fee:

  • Primary Card: Nil
  • Add-on Card: Nil

4. Annual Fee Waiver: On spends over Rs. 1,50,000/- in a year

5. Interest on Revolving Credit Facility: 2.9% per month

6. Cash Advance:

  • Transaction Fee: 2.5% or Rs. 500/- (whichever is higher)
  • Interest: 2.9% per month

7. Late Payment Charges (per occasion):

  • <= Rs. 500: Nil
  • Rs. 500 to <= Rs. 5000: Rs. 400
  • Rs. 5000 to <= Rs. 10000: Rs. 500
  • Rs. 10000 to <= Rs. 20000: Rs. 750
  • Rs. 20000: Rs. 950

8. Over Limit Charges: 2.5% of over limit amount (min. Rs. 500)
9. Cheque/Auto Debit Return Charges: Rs. 500
10. Cash Processing Charges: Rs. 200
11. Duplicate Physical Statement Request: Rs. 100 (More than 03 months old)
12. Card Replacement Fee: Rs. 200
13. Foreign Currency Transactions: Bank charges Cross Currency mark-up 3.5%

Eligibility Criteria for IDBI Euphoria World Credit Card

Here are essential criteria for applying for an IDBI Euphoria World Credit Card:

  1. Applicants must be Indian residents.
  2. Salaried employees should be aged 21 to 60.
  3. Self-employed individuals must be aged 21 to 65.
  4. Add-on cardholders must be above 18 years old.

Documents Required for IDBI Euphoria World Credit Card

To apply for the IDBI Euphoria World Credit Card, you will typically need to provide the following documents:

  1. Provide a recent photograph.
  2. Choose one from the following as identity proof: Passport, Aadhar Card, Voter ID, Driving Licence, or PAN Card.
  3. Select one option for residence proof: Utility bills, Aadhar Card, or Passport.
  4. Submit income proof with options like the latest 3 months’ salary slip, ITR, or Form 16.
  5. Ensure there is no duplication in the documents submitted.

How to apply for IDBI Euphoria World Credit Card?

Follow these steps to apply for the IDBI Euphoria World Credit Card:

  1. Apply for the IDBI Euphoria Credit Card by visiting the nearest IDBI branch.
  2. Alternatively, utilize IDBI net banking services for a hassle-free application process.
  3. Dial the toll-free number 1800 425 7600 or the non-toll-free 24×7 service at 022 4042 6013 to initiate your application.

Frequently Asked Questions (FAQs)

1. What is the IDBI Euphoria World Credit Card?
The IDBI Euphoria World Credit Card is a premium credit card that offers a range of exclusive benefits and privileges, including rewards, discounts, and concierge services, designed to enhance your lifestyle.

2. How can I apply for the IDBI Euphoria World Credit Card?
You can apply for the IDBI Euphoria World Credit Card online through the official IDBI Bank website or by visiting a nearby IDBI Bank branch. The application process typically involves submitting required documents and meeting eligibility criteria.

3. What are the eligibility criteria for the IDBI Euphoria World Credit Card?
Eligibility criteria may vary, but generally, applicants should have a good credit score, meet the minimum income requirement, and fulfill other conditions set by IDBI Bank. Specific details can be obtained from the official website or the bank’s customer service.

4. What are the key features of the IDBI Euphoria World Credit Card?
The card comes with features such as accelerated reward points, airport lounge access, exclusive discounts on dining and shopping, complimentary insurance coverage, and a dedicated concierge service.

5. How does the rewards program work on the IDBI Euphoria World Credit Card?
Cardholders earn reward points for every eligible transaction, and these points can be redeemed for a variety of options, including travel bookings, merchandise, and statement credits. The rewards program details are available in the card’s terms and conditions.

6. Is there an annual fee for the IDBI Euphoria World Credit Card?
The annual fee and other charges associated with the card are mentioned in the terms and conditions. Some credit cards may have an annual fee, while others offer fee waivers based on spending patterns or other criteria.

7. What benefits does the IDBI Euphoria World Credit Card offer for travel?
The card may provide benefits such as complimentary airport lounge access, travel insurance coverage, and special discounts on travel bookings. These benefits may vary, and it’s advisable to check the specific terms associated with the card.

8. How can I pay my IDBI Euphoria World Credit Card bill?
IDBI Bank provides multiple options for credit card bill payments, including online payment through internet banking, mobile banking, NEFT/RTGS, and at IDBI Bank branches. The specific methods and instructions are available on the bank’s website.

9. What should I do if my IDBI Euphoria World Credit Card is lost or stolen?
In case of a lost or stolen card, you should immediately contact IDBI Bank’s customer service to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

10. How can I check my credit card statement and transactions online?
IDBI Bank provides online access to credit card statements through internet banking and mobile banking apps. Cardholders can log in to their accounts to view recent transactions, check statements, and manage their credit card account online.