IDBI Bank Euphoria World Credit Card

IDBI Bank Euphoria World Credit Card
Annual Fee
  • No charge for 1st year
  • Rs. 1499 from 2nd year
Reward Points
  • 6 delight reward points for every Rs. 100 spent on hotel reservations, flight or bus tickets, train tickets on IRCTC, and other travel-friendly needs
  • For other expenses, it is 3 delight reward points per Rs. 100 you spend
Insurance Benefit Air accident insurance benefit of Rs. 25 lakhs

IDBI Bank Euphoria Credit Card is one of the best travel credit cards in India. It comes with insurance benefits, a fuel surcharge waiver, zero lost card liability, an add-on card, exclusive offers on shopping at the airport, and more. There is no joining fee or renewal fee. 2.9% is the interest in revolving credit and cash advance. You can also get the chance to get an interest-free credit period for up to 48 days pm payments and purchases. Individuals of 21 to 60 years of age (for self-employed: 65 years) can avail of this credit card. Applicants should be Indian residents.

In this post, we will discuss IDBI Bank Euphoria World Credit Card features, benefits, eligibility criteria, documents required, the application process, fees and charges, and frequently asked questions.

Features and Benefits of IDBI Bank Euphoria World Credit Card

IDBI Bank Euphoria World Credit Card bestows its customers with some amazing perks and rewards which improve their way of living. Now enjoy a local or foreign vacation that you and your loved ones truly deserve without any worry. Enjoying a magical experience in the lap of Mother Nature, having top Michelin star dishes along the beautiful seashore, looking forward to countless adventurous underwater activities, and witnessing world-class accommodations are easy to like never before with the secure and travel-friendly IDBI Bank Euphoria World Credit Card.

Here are the features and benefits of this IDBI Bank Credit Card:

1) Welcome e-Kit:

IDBI Bank is continuously putting efforts in direction of the Go Green initiative and building a better world. The bank provides its customers with a welcome e-Kit which includes instructions and guidance regarding how to use the card, the Most Important Terms & Conditions, and a general agreement for the cardholder in pdf format.

2) The More You Spend; The More You Earn:

IDBI Bank Euphoria World Credit Card is specially designed while keeping your travel requirements in mind. You will have access to thrilling offers and gift vouchers. The cardholder will receive 4000 delight reward points as soon as they proceed with their very first payment of a minimum amount of Rs.1500 within 2 months after the card is received by the customer.

On hotel reservations, flight or bus tickets, train tickets on IRCTC, and other travel-friendly expenses, the customers will receive 6 delight reward points on every 100 rupees spent. On every other payment, one may earn up to 3 delight reward points, which can be claimed in exchange for extensive varieties of personalized gifts complementing your choices and lifestyle.

Depending on the delight reward points, one can also get cashback in the account securely and conveniently. Please note if you haven't paid the joining fee, then these offers are not applicable.

3) Fuel Benefits

Every time you swipe your card at any fuel station across the country, you get a 1% fuel discount. This waiver is applicable on the transaction amount ranging from Rs. 400 to Rs. 5000.

4) Insurance Policy for Air Accident

The card provides you with an insurance cover of a whopping amount of Rs. 25 lakhs in case of an air accident. So, don’t worry about the expenses if any accident happens when you are traveling for work/ vacation.

5) Special Privileges at the Airport Lounges

As IDBI Bank Euphoria World Credit Card is travel-friendly, you will get luxurious facilities at selective airport lounges all over the country. This facility is available for all cardholders irrespective of class or airline. So, be at ease as you don't have to deal with all that airport chaos and uneasiness.

6) Zero Interest Credit

This card provides its customers with a zero-interest credit period of up to 48 days on their expenses and lets them manage their payments according to their preferences. You can pay the minimum amount due or more than that or the total outstanding amount.

7) Accepted Globally

International acceptance of this card lets you enjoy worry less vacation at aboard also. You can easily swipe your card at more than 29 million outlets internationally and more than 9 lakh outlets within the country.

8) Add-On Cards for Family

IDBI bank lets your family members (above 18 years old) enjoy the benefits of your primary credit card. All the features provided to you on your primary world credit card can be enjoyed on your family add-on card as well.

9) Zero Liability for Lost/Misplaced Card:

If you lose or misplace your card, call the IDBI 24*7 customer care number and inform them about the loss. Your card will get blocked instantly as per your request, so it cannot be misused by anyone. The bank will cover your loss in case any fraudulent activity or transaction is detected from your card after it is lost.

10) MasterCard Perks

For all the MasterCard world cardholders, many exclusive offers are available on hotels and accommodations, dining, lounges, shopping, airports, car rentals, etc. The bank also provides travel concierge services to cardholders. Please note that the bank reserves the right to make changes in the offers anytime without prior information.

Eligibility Criteria for IDBI Bank Euphoria World Credit Card

Here are the eligibility norms to avail of this IDBI Bank Credit Card:

  • You must possess Indian nationality
  • You need to be in between 21 to 60 years of age to apply for this card
  • For self-employed people, the upper age limit is 65 years.

This information about the eligibility criteria for getting a credit card is indicative. All the rights to approve or disapprove your credit card application are reserved by IDBI Bank.

Documents Required for IDBI Bank Credit Card

To apply for the credit card, the documents required are:

1) Identity Proof

Any of the following ID proofs:

  • Aadhaar Card
  • Voter ID
  • Pan Card
  • Driving License
  • Passport

2) Address Proof

Any of the following residence proofs:

  • Passport
  • Election card
  • Aadhaar Card
  • Telephone bill
  • Electricity bill

3) Income Proof

Any of the following income proofs:

  • Last 3 months bank statement
  • Your latest passport size photo

Bank statement of last 3 months

  • Salary slips of last 3 months
  • Form 16 or income tax returns (ITR)

Note: The documents required to apply for the card may vary as per the bank requirements based on the applicant's profile.

How to Apply for IDBI Bank Euphoria World Credit Card?

You can apply for a Euphoria credit card by calling the official phone number of IDBI Bank. You can also visit any branch of the Bank and tell them your requirement. A representative of the bank will contact you to proceed with your credit card application.

IDBI Bank Euphoria World Credit Card Fees and Charges

Here is more information:

Fee Type Charges
Joining Fee for both Primary and Add-on Credit Cards No charge
Annual Fee for Primary Credit Card
  • No charge for 1st year
  • Rs. 1499 from 2nd year
Annual Fee for Add-on Credit Card No charge
Interest on Revolving Credit Facility 2.9% per month
Renewal Charge for Primary and Add-on Cards No Charge
Annual Fee Waiver If you spend over Rs.1,50,000 in a year
Charges for Cash Advance Transaction Rs. 500 or 2.5% of the transaction fee (Whatever is higher)
Cash Advance Interest charge 2.9% per month
Late Payment fee (per occasion, based on the amount due):

(Based on due amount)

  • Up to Rs. 500:no charge
  • In-between Rs. 501 to Rs. 5000: Rs.400
  • In-between Rs.5001 to Rs. 10000: Rs.500
  • In-between Rs.10001 to Rs. 20000: Rs.750
  • More than Rs. 20000 – Rs.950
Over Limit Fee 2.5% of the over-limit amount (Rs. 500 minimum)
Cheque /Auto Debit Return fee Rs. 500
Request for Duplicate Physical Statement Rs. 100 (for More than 3 months old)
Card Replacement charges Rs. 200
Foreign Currency mark-up fee 3.5%
Charges for the redemption of Rewards Points Zero
EMI Charges
  • Interest Rate- 13% per annum
  • (Minimum Amount is Rs. 3000)
  • Processing charge - zero Foreclosure charge - zero
  • Different options for EMI Tenure: 3, 6, 9, or 12 months
Balance transfer fee

Processing Fee: 1.5% of the balance transfer amount or Rs. 199 (whatever is higher) Normal Interest rate for EMI is applicable.

Note- Minimum Amount for balance transfer is Rs. 3000

Card Account Closure fee Zero
Cash Processing fee Rs. 200

Please note that these charges are exclusive of GST.

Frequently Asked Questions About IDBI Bank Euphoria World Credit Card:

Here are the IDBI Bank Euphoria World Credit Card FAQs:

The bank takes around 7 working days to deliver your credit card.
This card provides a maximum of 500 rupees fuel surcharge discount per month.
If you want any information about your card, you should visit the official website of IDBI Bank. You can also visit your nearest IDBI branch or call on the customer care number. This way you can get answers to your queries about your card.
You, if you have a primary credit card, then your family members can get a maximum of 2 add-on cards for them.
You can use the delight reward points earned on primary and add-on cards. The earned points can be clubbed and you can redeem them when required subject to the bank’s terms and conditions.
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