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  • IDBI Bank Euphoria World Credit Card

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    IDBI Bank Euphoria World Credit Card

    IDBI Bank Euphoria World Credit Card helps you experience travel in the most amazing, convenient and secure manner. This card offers attractive rewards and privileges that are extremely beneficial for the cardholders.

    Key Points:

    • 4,000 Delight Points as welcome gift.
    • Avail 2,000 Delight Points on Card Renewal.
    • 2.5% fuel surcharge waiver.
    • Insurance coverage worth Rs.25 Lakhs.
    • 6 Delight Points for every Rs.100 spent on travel and 3 Delight Points for other spends.

    Benefits:

    • Welcome Gift – Get 4,000 Delight Points as welcome gift when you spend at least Rs.1,500 on the first transaction using your IDBI Bank Euphoria World Credit Card within the initial 60 days.
    • Rewards – Avail 6 Delight Points for each Rs.100 that you spend on travel using this card. Travel expenses includes air ticket, railway ticket, hotel, bus ticket bookings, etc. Receive 3 Delight Points for all other spends.
    • Renewal Benefit – Avail 2,000 Delight Points every year when you pay your annual fee.
    • Fuel Surcharge Waiver – Cardholders can enjoy fuel surcharge waiver of 2.5% (Maximum – up to Rs.500) when they spend an amount ranging from Rs.400 to Rs.5,000 on fuel every month.
    • Insurance Coverage – Feel protected while traveling because IDBI Bank Euphoria World Credit Card offers Rs.25 Lakhs worth Air Travel Accident insurance coverage to all its customers.

    Features:

    • Global Acceptance - IDBI Bank Euphoria World Credit Card is an international card, which is accepted by more than 29 Lakhs merchant stores outside India and by 9 Lakh stores in India.
    • Welcome Kit – Along with the card, cardholders will receive a digital Welcome e-Kit from the bank, which will contain all the details related to the card such as agreement, Card Usage policy, Most Important Terms and Conditions (MITC), etc.
    • Delight Points Redemption – Cardholders can redeem their Delight Points easily by choosing gifts/souvenirs listed in the redemption catalogue of the card. They can also choose to redeem their points against cash.
    • Interest Free Period – Cardholders can enjoy an interest free credit period of up to 48 days.
    • Access to Lounges – Holders of IDBI Bank Euphoria World Credit Card can easily access selected airport lounges in India.
    • Add-on Card – Cardholders can apply for add-on World credit card for their family members who are at least 18 years old. The family members can enjoy the features and benefits of the primary card on the add-on cards.
    • Exclusive offers from MasterCard – All the customers of IDBI Bank Euphoria World Credit Card can enjoy offers from MasterCard on car rentals, hotels, shopping at airport, etc. They can also enjoy travel related concierge services that are offered by MasterCard.

    Eligibility Criteria:

    • Primary holders of IDBI Bank Euphoria World Credit Card have to be between 21 and 60 years old. For self-employed people, the maximum age requirement is 65 years.
    • Holders of add-on cards have to be at least 18 years old.
    • The applicant must be an Indian resident.

    Required Documents:

    • Proof of Identity – Applicants of IDBI Bank Euphoria World Credit Card can submit one of the following documents as ID proof:
      • Passport.
      • Voter ID.
      • PAN Card.
      • Driving License.
      • Aadhaar Card.
    • Proof of Residence – Applicants can submit one of the following documents as residence proof:
      • Telephone Bill.
      • Electricity Bill.
      • Aadhaar Card.
      • Election Card.
      • Passport.
    • Proof of Income – Applicants can submit one of the following documents as income proof:
      • Salary slip of recent 3 months.
      • Bank Statement of recent 3 months.
      • Form 16.
      • Income Tax Return.
    • Photograph (It should be a recent photo).

    Fees and Charges:

    Type of Fees and Charges Amount
    Fee for joining Rs.1,499
    Annual fee for the main card (this fee has to be paid from the 2nd year) Rs.1,499
    Annual fee for the add-on card No charge
    Fee for card renewal No charge
    Interest charged on the revolving credit facility 2.90% per month
    Renewal fee for the add-on card No charge
    Interest charged on cash advance 2.90% per month
    Fee for cash advance transaction 2.5% of the transaction fee (Minimum – Rs.300)
    Overlimit charge 2.5% of the overlimit amount (Minimum – Rs.500)
    Fee for late payment If amount is below Rs.100, then no charge. If amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If amount is Rs.20,001 and above, then Rs.700 will be charged.
    Fee for Auto Debit Return Rs.225
    Cheque Return fee Rs.225
    Card replacement fee Rs.200
    Processing fee for outstation cheque If the value of cheque is up to Rs.5,000, then Rs.25 will be charged. If the value of cheque is more than Rs.5,000, then Rs.50 will be charged.
    Fee for duplicate statement Rs.100
    Cash processing fee Rs.100
    Limit enhancement Rs.100
    Fee for Charge slip or Charge back Rs.125
    Fee for Reward Redemption Rs.99
    Transactions made in Foreign Currency Mark-up – 3.5% of the transaction amount
    Charge for Account Closure No charge
    Fee for Balance Transfer Processing charge – 1.5% of the transferred amount (Minimum – Rs.199) For EMI – Normal interest rate will apply

    The above mentioned fees and charges are not inclusive of the Service Tax. Also, the rates/fees and charges may change at the bank’s discretion at any time.

    How to Apply?

    To apply for an IDBI Bank Euphoria World Credit Card, you can leave your contact details on the website of the bank and a representative will get in touch with you. You can also visit the nearest branch of the bank to apply for this card.

    FAQs:

    1. How do I pay my IDBI Bank Euphoria World Credit Card bill?

      You can pay your IDBI Bank Euphoria World Credit Card bill in one of the following ways:

      • Via Auto-Debit Facility.
      • Via Net Banking.
      • Via Draft or Cheque.
      • Via NEFT.
      • Via Cash.
      • Via IPay.
    2. If I apply for an IDBI Bank Euphoria World Credit Card, How long will it take the bank to deliver it?

      If you apply for an IDBI Bank Euphoria World Credit Card, it will take the bank around 7 working days to deliver it to you.

    3. What do I do in case I lose my IDBI Bank Euphoria World Credit Card?

      In case you lose your IDBI Bank Euphoria World Credit Card, you have to immediately contact on the bank’s 24x7 Customer Care number and report the same. Your card will be blocked by the bank and all the fraudulent transactions that were made after you reported the loss will be taken care of by the bank.

    4. Is there a limit on the fuel surcharge waiver that I will receive as part of my IDBI Bank Euphoria World Credit Card?

      Yes, you can avail a maximum fuel surcharge waiver of Rs.500 every month.

    5. Who to contact if I want more details about IDBI Bank Euphoria World Credit Card?

      To get more details about IDBI Bank Euphoria World Credit Card, you should call the bank’s Customer Care number or visit the nearest branch. You can also visit the website of IDBI bank to get the required information.

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    *GST rate of 18% applicable for all financial services effective July 1, 2017

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