Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    IDBI Bank Royale Signature Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    Nil
    Response Time Within 30 minutes

    IDBI Bank Royale Signature Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    IDBI offers a card that’s better than the best! With the Royale Signature Credit Card, you can relish all the luxuries that match your lifestyle, preferences and stature. Your credit card can accompany you wherever you go, in India and abroad, bringing you unparalleled privileges and best services. Plus with the IDBI Royale Signature Credit Card, you’re guaranteed peace of mind with enhanced security features like the EMV chip and PIN.

    Welcome offer:

    • Earn 750 reward points when you use your card within 30 days of card issuance.
    • Or you can earn 400 points when you use your card between 31 and 90 days.
    • Transactions should be of a minimum value of Rs. 1500.

    Benefits:

    • Earn while you spend:

      For every Rs. 100 spent, you can earn 3 reward points. So go ahead and enjoy shopping, travelling, dining-out, and watching movies with your IDBI Royale Signature Credit Card.

    • Airport Lounge Access:

      A special offer brought to you by VISA when you fly on any airline or on any class, you can enjoy access into select airport lounges. Enjoy the luxury while you rest, freshen up and use other facilities of the lounges.

    • VISA Offers:

      As a VISA signature cardholder, you are entitled to exclusive offers provided by VISA. The offers expand over airport shopping, car rentals, hotels, and travel concierge services.

    • Fuel surcharge waiver:

      For fuel transactions of Rs. 400 to Rs. 5,000, get a 2.5% fuel surcharge waiver at any fuel stations.

    • Travel Accident insurance:

      Your Royale Signature Credit Card carries a free insurance cover of Rs. 25 lakhs against air travel accidents.

    Features:

    • Global acceptance:

      The IDBI credit card is accepted at more than 9 lakh merchants in India and more than 29 million merchant outlets all over the world.

    • EMV-chip and PIN enabled:

      You credit card is embedded with the top most security available. With a microchip set inside, your card will be free from fraudulent transactions and duplication. The PIN (Personal Identification Number) will ensure that you authorise and verify every transaction you make.

    • Interest-free period:

      Get up to 48 days interest free on your purchases. Choose to pay the minimum due, or a higher value to your convenience, or you can pay your bills in full.

    • Zero Lost Card Liability:

      In the event your card is lost, contact IDBI Bank and report it on their customer service hotline. Once you have reported the loss of card, you will not be liable to any fraudulent transactions on the card.

    • Add on cards:

      Spread the joy and the benefits amongst your family members! Avail of add on cards for any family member above the age of 18. Reward points earned on these cards will be clubbed with the primary card.

    Important Fees and Charges:

    Charge

    Amount

    Joining Fee

    Nil

    Annual Fee

    Rs. 1,499

    Supplementary Card

    Nil

    Interest on revolving credit

    2.5% per month

    Interest on cash advance

    2.5%

    Cash advance transaction charge

    2.5% of transaction amount, subject to a minimum of Rs. 300.

    Other Fees and Charges:

    Charge

    Amount

    Reward redemption

    Rs. 99

    Overlimit

    2.5% of the overlimit amount, or a minimum of Rs. 500.

    Cheque return

    Rs. 255

    Auto-Debit return charge

    Rs. 225

    Cash payment at bank branch

    Rs. 100

    Outstation cheque processing charge

    Rs. 25 for cheques up to Rs. 5000.

    Rs. 50 for cheques above Rs. 5000.

    Card replacement

    Rs. 200

    Chargeslip request

    Rs. 125

    Duplicate statement

    Rs. 100

    Foreign currency transactions

    3.5% conversion mark up

    Limit Enhancement

    Rs. 100

    Late Payment Charges:

    Total Amount Due

    Charges

    Up to Rs. 99

    Nil

    Rs. 100 - Rs. 500

    Rs. 100

    Rs. 501 - Rs. 5000

    Rs. 400

    Rs. 5001 - Rs. 20000

    Rs. 500

    Above Rs. 20000

    Rs. 750

    Eligibility for IDBI Royale Signature Credit Card:

    In order to avail of an IDBI Royale Signature Credit Card, you need to meet certain set criteria. The following eligibility requirements are only indicative. IDBI has the right to reject or approve applications at its own discretion.

    • You should be between 21 and 60 years old. The age limit is extended to 65 years for the self-employed.
    • Residents of India can apply.
    • Add on cardholders should be 18 years or above.

    Documentation for IDBI Royale Signature Credit Card:

    To complete your application for the IDBI Royale Signature Credit Card, you need to submit documents of ID, address and income proof. Listed below are some of the documents you might need to provide to IDBI, but this is determined on a case to case basis.

    One recent passport size photograph:

    ID proof:

    • Passport
    • Voter’s ID
    • Driving Licence
    • PAN card
    • Aadhar Card

    Address Proof

    • Telephone bill
    • Electricity proof
    • Passport
    • Election card
    • Aadhar Card

    Income proof

    • Last 3 months’ salary slip
    • Last 3 months’ bank statement
    • Latest IT return
    • Form 16

    IDBI Royale Signature Credit Card FAQs:

    1. How do I apply for an IDBI Royale Signature Credit Card?

      You can apply for an IDBI Royale Signature Credit Card online or you can walk into any IDBI Bank branch. Fill up the application form and submit it along with the required documents.

    2. How do I apply for an add on card?

      Visit your nearest IDBI bank branch and submit the add on card application along with required documents. You can avail of these cards for your immediate family members above the age of 18 years. The add on cardholder needs to have a PAN card and provide ID and residential proof, along with a recent passport size photo.

    3. How may add on cards can I avail of?

      With the IDBI Royale Signature Credit Card, you can get 2 add on cards.

    4. How do I pay my credit card bill?

      You can use any of the following payment options to pay your credit card bill.

      • Auto debit facility - For IDBI savings or current account holders, you can authorize IDBI Bank to deduct the credit card dues from your account.
      • Cheque/Draft - You can visit any IDBI ATM or bank branch and drop a cheque into the drop boxes available. The cheque should be made payable to IDBI Bank, followed by your credit card number, followed by the name on the credit card.
      • NEFT - Pay conveniently online using NEFT options by adding your credit card number as the beneficiary account number.
      • Internet Banking - Pay directly through your IDBI Bank account using the online banking facility.
      • Cash Payment - You can visit any IDBI Branch and pay your credit card bill in cash. You will be charged Rs. 100 as cash processing fees and will receive a receipt.
      • VISA Money Transfer - Use VISA Money Transfer facility to make payments towards your credit card from any other bank’s account.
      • IPay - Another option to pay from different bank accounts.
    5. Can I enhance the limit on my credit card?

      You can request from credit limit enhancement by sending a written letter along with the latest income proof. You can avail of this option only after you have completed 6 months of being an IDBI Royale Signature Credit card holder. Your request will be approved or declined at the bank’s discretion.

    6. Do reward points have an expiry date?

      All points earned will expire 3 years after it has been issued.

    7. What can I redeem my reward points for?

      You can convert your reward points into cash back. Every reward point will fetch you 25 paisa. The cash back can be adjusted against your outstanding credit card balance, or it will be credited to your credit card. You need at least 1000 points to redeem them.

    8. How do I redeem my reward points?

      You can request to redeem your points through your IDBI Bank net banking account. You can also call IDBI customer care.

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