IDBI Bank Euphoria World Credit Card

The IDBI Bank Euphoria World Credit Card helps in experiencing travel in the most enjoyable, secure, and convenient manner. The card offers amazing privileges and rewards that are highly beneficial for cardholders.


  • Waiver on 2.5% fuel surcharge
  • 2000 Delight Points on Renewal of Card
  • 4000 Delight Points as welcome voucher
  • 6 Delight Points for every expense of Rs 100 on travel and 3 Delight Points for other expenses


  • A cardholder can enjoy 6 Delight Points for each expense of Rs 100 on travel. Travel expenses comprise bus tickets, railway tickets, air tickets, cab fare, hotel fare, etc. 3 Delight Points can be availed for all other expenses.
  • A cardholder receives 4000 Delight Points as welcome voucher when the first transaction via the Euphoria World card within the first 2 months is at least of Rs 1500.
  • 2000 Delight Points can be earned per annum while paying the yearly fee.
  • Cardholders can feel secured while travelling as the card offers Air Travel Accident Insurance coverage worth Rs 25 lakhs to all its subscribers.
  • Waiver on the 2.5% fuel surcharge can be enjoyed by cardholders (upper limit being Rs 500) if their expenditure on fuel per month ranges between Rs 400 and Rs 5000.

Salient Features:

Worldwide acceptance:This card is a global card that is accepted at 9 lakh outlets in India and at over 29 lakh merchant outlets abroad.

Welcome gift: Cardholders receive a digital e-kit that contains all details related to the credit card, such as card usage policy, agreement, important terms and conditions, etc.

Delight Redemption:

A cardholder can redeem their delight points by selecting souvenirs or gifts listed within the catalogue. They can also opt to go for redemption with cash.

Interest-free Period:

A cardholder gets to enjoy an interest-free credit period of up to 48 days.

Lounge Access:

Cardholders can gain easy access to chosen airport lounges within India.

Supplementary Cards:

A cardholder can apply for add-on card for their immediate family members who have attained the age of 18 years.

Special Offers:

Cardholders can cherish offers from MasterCard on airport shopping, hotels, car rentals, etc. They can also avail travel-oriented concierge services provided by MasterCard.


  • Primary cardholders need to be between 21 years and 60 years of age. For self-employed applicants, the maximum age can be up to 65 years.
  • Add-on cardholders need to be at least 18 years of age.
  • Applicants need to be Indian residents.

Documents Needed:

  • Identity Proof such as Aadhar Card, Driving License, PAN Card, Passport, or Voter ID – any of these will do.
  • Address Proof such as Passport, Voter ID, Aadhar Card, Electricity Bill, and Telephone Bill – any of these will suffice.
  • Income Proof such as IT Return, Form 16, Bank Statement of past 3 months (recent), and Salary Slip of preceding 3 months – any of these will do.
  • A recent photograph

Charges and Fees:

  • Membership Fee is Rs 1499.
  • Yearly fee is Rs 1499 (this needs to be paid from 2nd year onwards).
  • Yearly fee for add-on card is zero.
  • There is no fee for card renewal.
  • Renewal fee for add-on card is zero.
  • Interest charged on Cash Advance is 2.9% per month.
  • Interest charged on revolving credit is 2.9% a month.
  • Overlimit charge is 2.5% of overlimit amount, minimum being Rs 500.
  • Fee for cash advance is 2.5% of transaction amount, minimum being Rs 300.
  • The fee for cheque return is Rs 225.
  • Card replacement charge is Rs 200.
  • Duplicate statement charge is Rs 100.
  • Auto Debit Return Fee is Rs 225.
  • Cash processing fee is Rs 100.
  • Limit enhancement fee is Rs 100.
  • Rewards redemption charge is Rs 99.
  • There is no charge for account closure.
  • Fee for charge-slip or charge back is Rs 125.
  • Foreign currency transaction fee is a mark-up of 3.5% of transaction volume.
  • Processing charge for outstation cheques is Rs 25, if the cheque value is up to 5000 INR. The charge is Rs 50, if the cheque value is above Rs 5000.
  • Balance transfer fee is 1.5% of transferred amount, minimum being Rs 199. Normal interest rates apply for EMI.
  • There is no late payment fee, if the due is less than Rs 100. The fee is Rs 100, if the due is between Rs 100 and Rs 500. The fee is Rs 400, if the outstanding is between Rs 501 and Rs 5000. The fee is Rs 500, if the outstanding is between Rs 5001 and Rs 20,000. Rs 700 are charged, if the due is Rs 20,001 or more.

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