IDBI Winnings RuPay Select Credit Card

The IDBI Bank Winnings RuPay Select Credit Card, an accessible option with no joining fee, allows you to earn 500 delight points monthly. Despite its entry-level status, it includes travel and insurance perks, making it a compelling choice. Benefit from four international and eight domestic lounge accesses annually. Celebrate your birthday month with double delight points on all expenditures. Consider the IDBI Winnings RuPay Select Credit Card for a rewarding and comprehensive experience.

Key Highlights of IDBI Winnings RuPay Select Credit Card

Unlock unparalleled benefits with the IDBI Winnings RuPay Select Credit Card.

  1. No joining fee for IDBI Winnings RuPay Select Credit Card.
  2. Welcome benefit: 10% cashback (up to Rs. 500) on all transactions.
  3. Earn 500 delight points by making 5 transactions worth Rs. 1000 monthly.
  4. Double delight points in your Birthday month.
  5. Earn 2 delight points for every Rs. 100 spent using the card.
  6. Accidental death and permanent disability insurance up to Rs. 10 lakhs.
  7. Enjoy a 1% fuel surcharge waiver, with a maximum waiver of Rs. 400 per month.

Features and Benefits of IDBI Winnings RuPay Select Credit Card

The IDBI Winnings RuPay Select Credit Card offers several features and benefits:

1. Interest-Free Credit:

  • Enjoy 48 days of interest-free credit once the card is issued.

2. Fuel Surcharge Waiver:

  • Get a 1% fuel surcharge waiver on Rs.400 to Rs.5,000 fuel purchases at any station in India.

3. Earn Delight Points:

  • Earn 2 Delight Points for every Rs.100 spent.
  • Receive a 10% cashback on transactions within 90 days (min. spend Rs.500).
  • Make five Rs.1,000 transactions monthly for 500 Delight points.
  • Double Delight points in your birthday month.

4. Airport Lounge Access:

  • Enjoy complimentary access to domestic and international airport lounges.

5. Personal Accident Insurance:

  • Eligible for insurance covers if aged 18-70 and made a transaction within 90 days.
  • Rs.10 lakh cover for accidental death.
  • Rs.10 lakh Permanent Disability Coverage.

6. Wider Acceptance:

  • Use the card for bookings (movies, air, bus, hotels, train), dining, shopping, bills, recharging.
  • Withdraw money from 1.88 million ATMs globally, earning Delight points.

7. Zero Lost Card Liability:

  • Report lost cards immediately to block and prevent misuse.

8. Add-On Cards:

  • Family members (18+) can get add-on cards.
  • Enjoy primary card benefits, and points can be clubbed for redemption.

IDBI Winnings RuPay Select Credit Card Fees and Charges

Explore the fee structure for the IDBI Winnings RuPay Select Credit Card and discover the financial advantages that come with it.

  1. No joining fee for both primary and add-on cards.
  2. Annual fee for the primary card is Rs. 899 from the second year onwards.
  3. Cash advance interest rate is 3.4% per month.
  4. Late payment fees:
  • Nil for amounts up to Rs. 500.
  • Rs. 400 for amounts > Rs. 500 to <= Rs. 5,000.
  • Rs. 500 for amounts > Rs. 5,000 to < = Rs. 10,000.
  • Rs. 750 for amounts > Rs. 10,000 to < = Rs. 20,000.
  • Rs. 950 for amounts exceeding Rs. 20,000.

Eligibility Criteria for IDBI Winnings RuPay Select Credit Card

Here are essential criteria for applying for an IDBI Winnings RuPay Select Credit Card:

1. Primary Cardholder Eligibility:

  • Minimum age: 21 years
  • Maximum age: 60 years
  • Self-employed maximum age: 65 years
  • Must be an Indian citizen

2. Add-On Cardholder Eligibility:

  • Minimum age: 18 years

Documents Required for IDBI Winnings RuPay Select Credit Card

To apply for the IDBI Winnings RuPay Select Credit Card, you will typically need to provide the following documents:

  1. Provide identification with documents like voter ID, Aadhaar Card, or passport.
  2. Verify your address using Aadhaar Card, utility bills, or similar documents.
  3. Demonstrate income through your latest salary slip, Form 16, or bank statements spanning the last three months.
  4. Include proof of income tax returns.
  5. Attach a recent passport-sized photograph for authentication.

How to apply for IDBI Winnings RuPay Select Credit Card

Follow these steps to apply for the IDBI Winnings RuPay Select Credit Card online or offline:

Online Application:

  1. Access the application link: https://www.idbibank.in/winnings-credit-card.asp
  2. Click ‘Apply Now’ and then ‘Click here’ on the redirected page.
  3. Choose existing or new customer, fill details, select ‘Credit Card’ under ‘Products Required’.
  4. Enter the code, authorize contact, and click ‘Submit’.
  5. A bank representative will contact you to guide through the application.

Offline Application:

  1. Visit the nearest IDBI Bank branch with required documents.
  2. Bank representative assistance for application process.
  3. Complete the form, submit documents.
  4. Upon verification, the bank will approve your credit card application.

Frequently Asked Questions (FAQs)

1. What is the IDBI Winnings RuPay Select Credit Card?

The IDBI Winnings RuPay Select Credit Card is a premium credit card offered by IDBI Bank, in association with RuPay. It comes with exclusive benefits, rewards, and features designed to enhance your lifestyle.

2. How can I apply for the IDBI Winnings RuPay Select Credit Card?

You can apply for the IDBI Winnings RuPay Select Credit Card through the official IDBI Bank website or by visiting a nearby IDBI Bank branch. The application process typically involves filling out an online form and submitting the required documents.

3. What are the key features of the IDBI Winnings RuPay Select Credit Card?

The card offers features such as cashback on specific categories, reward points on every transaction, complimentary airport lounge access, travel benefits, and more. Refer to the official terms and conditions for a detailed list of features.

4. What are the eligibility criteria for the IDBI Winnings RuPay Select Credit Card?

Eligibility criteria may include factors such as age, income, credit score, and employment status. It is advisable to check the specific eligibility requirements on the IDBI Bank website or contact the bank directly.

5. What is the credit limit on the IDBI Winnings RuPay Select Credit Card?

The credit limit on the IDBI Winnings RuPay Select Credit Card is determined based on various factors, including your creditworthiness, income, and existing financial commitments. The bank will communicate your approved credit limit at the time of card issuance.

6. How do I earn and redeem reward points with this credit card?

You can earn reward points on eligible transactions made using the IDBI Winnings RuPay Select Credit Card. These points can be redeemed for a variety of rewards, including merchandise, gift vouchers, and more. The redemption process can typically be done through the bank’s rewards portal.

7. Are there any annual fees associated with the IDBI Winnings RuPay Select Credit Card?

The annual fees and other charges may vary, and it’s advisable to check the fee structure on the official IDBI Bank website or contact their customer service for the most up-to-date information.

8. How can I check my credit card statement and make payments?

You can access your credit card statement through the bank’s online portal or mobile app. Payments can be made through various channels, including online banking, NEFT/RTGS, at bank branches, or through auto-debit facilities.

9. Is there a foreign transaction fee with the IDBI Winnings RuPay Select Credit Card?

Details regarding foreign transaction fees, currency conversion charges, and other international usage charges can be found in the terms and conditions provided by IDBI Bank.

10. How can I contact customer support for the IDBI Winnings RuPay Select Credit Card?
For any queries or assistance, you can contact IDBI Bank’s customer support through the helpline number provided on the official website or visit the nearest IDBI Bank branch.