IDBI Bank · Visa · Rewards, Fuel
IDBI Bank Royale Signature Credit Card
Best for mid-tier rewards. 3 Delight Points per Rs 100
Terms as of 2026-09-27 · Checked 30 September 2026Annual fee
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Joining FreeIDBI Bank Royale Signature Credit Card at a glance
Joining feeFree
Annual fee—
Base reward valueSee rewards
Forex markup—
NetworkVisa
IssuerIDBI Bank
CategoryRewards
Fee waiver—
Who it suits: Mid-tier rewards
Rewards & cashback
| Details | |
|---|---|
| How you earn | 3 Delight Points per Rs 100 |
| Welcome benefit | 750 DP on first usage |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% fuel surcharge waiver |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | — + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 (65 for self-employed); add-on 18+; Imperium 18+ against FD |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the IDBI Bank Royale Signature Credit Card?
Joining fee Free and annual fee — (plus 18% GST).
What rewards does it offer?
3 Delight Points per Rs 100
Is the IDBI Bank Royale Signature Credit Card good for me?
Best for: Mid-tier rewards. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.bankbazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IDBI Bank’s website before applying. FinancePortal is not affiliated with the issuer.