IDBI Bank Royale Signature Credit Card

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.

IDBI Bank Royale Signature Credit Card 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 credit card customer care support 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:

Other Fees and Charges:

Late Payment Charges:

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. 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.

5. Do reward points have an expiry date?

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

6. 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.