Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IDBI Winnings RuPay Select Credit Card

    IDBI Bank offers you the Winnings RuPay Select Credit Card also known as ‘Winnings’ Credit Card which comes with a host of services such as complimentary access to domestic and international airport lounges, concierge services, personal accident cover, etc.

    The process to apply for this card is very easy can be completed both online and offline.

    Features and Benefits of IDBI Winnings RuPay Select Credit Card

    Given below are the features and benefits of using the Winnings RuPay Select Credit Card:

    • Interest free credit: Once the card is issued to you, you will enjoy interest free credit for 48 days.
    • Fuel surcharge waiver: You will enjoy a fuel surcharge waiver of 1% on all fuel purchases ranging from Rs.400 to Rs.5,000, made at any refueling station across India.
    • Earn Delight points: For every Rs.100 you spend, you will earn 2 Delight Points. There are various ways in which you can earn Delight points:
      • You will receive a flat 10% cashback on all transactions made within 90 days of the issuance of the card. The minimum amount that must be spent to earn cashback is Rs.500.
      • If you make five transactions worth Rs.1,000 each per month, you will earn 500 Delight points.
      • Your Delight points get doubled during your birthday month.
    • Access to airport lounges: Use your credit card to gain complimentary access to both domestic and international airport lounges.
    • Personal accident insurance cover: If you are aged between 18 years and 70 years and have used the card to make at least one successful financial or non-financial transaction within 90 days of the issuance of the card then you will be eligible for certain insurance covers mentioned below:
      • In case you lose your life due to an accident, you will receive a cover of Rs.10 lakh.
      • In case you get permanently disabled due to an accident, you will be eligible Permanent Disability Coverage of Rs.10 lakh.
    • Wider acceptance: You can use the card for booking movie, air, bus, hotels, or train tickets. You can also use the card to pay for dining, shopping, paying bills, recharging, etc. You can also use your card to withdraw money from 1.88 million ATMs across India and overseas. You will earn Delight points for the transactions you make using your credit card.
    • Zero lost card liability: In case you lose your card, you must immediately inform the bank by calling the customer care number 1800 425 7600 (toll free) or 022 - 4042 6013 (non-toll free) to get it blocked and prevent it from being misused.
    • Add-on cards: You can get add-on cards for the members of your family who are aged 18 years and above. They will also be able to enjoy the benefits offered by the primary credit card. The reward points earned can also be clubbed with the ones earned using the primary card and can be redeemed as per eligibility criteria.

    IDBI Winnings RuPay Select Credit Card Eligibility Criteria

    • The minimum and maximum age of eligibility for a primary cardholder is 21 years and 60 years respectively. The maximum eligibility age for self-employed applicants is 65 years.
    • The minimum age of eligibility for add-on cardholders is 18 years.
    • The primary cardholder must be an Indian citizen.

    Documents Required for IDBI Winnings RuPay Select Credit Card

    • Proof of ID such as voter ID, Aadhaar Card, passport, etc.
    • Proof of address such as Aadhaar Card, utility bills, etc.
    • Proof of income such as your latest salary slip, Form 16, bank statement for the last three months, income tax returns, etc.
    • Your recent passport size photograph.

    IDBI Winnings RuPay Select Credit Card Fees and Charges

    Fee Types Amount Charged
    Joining Fee for primary/add-on card Nil
    Annual Fee for primary card Rs.899 from second year onwards
    Annual Fee for add-on card Nil
    Renewal Fee for primary / add-on card Nil
    Annual fee waiver If you spend more than Rs.90,000/ annually
    Interest on revolvinag credit facility 3.4% per month
    Cash advance fee 2.5% of transaction amount or Rs.500, whichever is higher
    Interest on cash advance 3.4% per month
    Late payment fees
    • Less than equal to Rs.500 – Nil
    • Greater than Rs.500 to less than equal to Rs.5,000 – Rs.400
    • Greater than Rs.5,000 to less than equal to Rs.10,000 – Rs.500
    • Greater than Rs.10,000 to less than equal to Rs.20,000 – Rs.750
    • Greater than Rs.20,000 – Rs.950
    Over limit charges 2.5% of over limit amount subject to a minimum of Rs.500
    Charges for cheque or auto debit return Rs.500
    Cash processing charges Rs.200
    Request for duplicate statement Rs.100 for statements more than 3 months old
    Fee for card replacement Rs.200
    Foreign currency transactions 3.5%
    Fee for reward points redemption Rs.99
    EMI charges
    • Minimum Amount - Rs.3,000
    • Interest Rate - 13% per annum
    • Processing and foreclosure charges - Nil
    • EMI tenure options - 3, 6, 9 or 12 months
    Balance transfer charges
    • Minimum Amount - Rs.3,000
    • Processing Fee - 1.5% of the balance transfer amount or Rs.199 whichever is higher, normal rate of interest for EMI will apply.
    Charge for card account closure Nil

    How to Apply for IDBI Bank Winnings RuPay Select Credit Card


    • Click on the link and then click on ‘Apply Now’.
    • Click on ‘Click here’ and you will be directed to a new page.
    • Under ‘Help Us Contact You’, select whether you are an existing customer or not.
    • Provide the details as required, followed by selecting ‘Credit Card’ under ‘Products Required’. Enter the code into the box given below and tick the box where you authorise the bank to contact you. Next, click on ‘Submit’.
    • A representative from the bank will get in touch with you and assist you with the credit card application process.


    You can visit the nearest IDBI Bank branch along with all the necessary documents. A bank representative will help you with the credit card application process. Fill the application form and submit the documents. If all the details mentioned are correct, the bank will approve your application for the credit card.


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