|IDBI Bank Euphoria World Credit Card|
|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.
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.
Here are the eligibility norms to avail of this IDBI Bank Credit Card:
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.
To apply for the credit card, the documents required are:
1) Identity Proof
Any of the following ID proofs:
2) Address Proof
Any of the following residence proofs:
3) Income Proof
Any of the following income proofs:
Bank statement of last 3 months
Note: The documents required to apply for the card may vary as per the bank requirements based on the applicant's profile.
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.
Here is more information:
|Joining Fee for both Primary and Add-on Credit Cards||No charge|
|Annual Fee for Primary Credit Card||
|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)
|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|
|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.
Here are the IDBI Bank Euphoria World Credit Card FAQs: