IDBI Winnings RuPay Select Credit Card

The IDBI Winnings RuPay Select Credit Card is a rewards-driven card offered by IDBI Bank on the RuPay network. It is designed for everyday spenders who want to earn points on purchases and enjoy additional lifestyle benefits. This credit card combines reward earnings with travel perks like airport lounge access and fuel surcharge waiver, making it suitable for regular shoppers and frequent travelers alike.

IDBI Winnings RuPay Select Credit Card

Joining Fees	Nil
Annual Fees	899
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Earn 2 Delight Points for every Rs. 100 spent.
Earn additional 500 Delight Points with 5 transactions of Rs. 1,000 each per month.
Double Delight Points in your birthday month.
Up to 48 days of interest-free credit on purchases.
1% fuel surcharge waiver (Rs. 4,000–Rs. 5,000 spends; max Rs. 400/month).
Personal accident insurance cover up to Rs. 10 lakh.
Complimentary airport lounge access (domestic & international visits included).

Fees & Charges

Joining Fee: Nil.
Annual Fee: Rs. 899 from second year (waivable).
Cash Advance Fee: 2.5% or Rs. 500, whichever higher.
Late Payment Fees vary based on due amount.
Over Limit Charge: 2.5% of over limit amount (min Rs. 500).
Foreign Currency Transactions: Cross currency markup 3.5%.
Other service charges apply as per fees schedule.

Card Details

Card Network: RuPay Select.
Rewards Program: Delight Points.
Fuel surcharge waiver available on select transactions.
Airport lounge access as provided by RuPay.
Zero liability for fraudulent transactions after reporting loss.
Family add-on cards available (up to 2 add-ons).

Pros & Cons

Strong rewards earnings on spend.
No joining fee.
Complimentary lounge access (domestic & international).
Fuel surcharge waiver benefit.

Annual fee applicable from second year if spend criteria not met.
Rewards redemption terms not detailed on page.
No specified accelerated categories beyond birthday bonus.
Interest and charges are typical of credit cards.

ELIGIBILITY CRITERIA

Primary cardholders: 21–60 years (65 years for self-employed).
Add-on cardholders: 18 years and above.
Must be a resident of India.
Not specified on the official page: income requirements and credit score thresholds.

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WELCOME BENEFITS

Official page does not list specific welcome benefits.
→ No welcome benefits listed on the official page.

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CARD REVIEW

The IDBI Winnings RuPay Select Credit Card is a versatile choice for everyday spenders who want to earn rewards and enjoy travel perks without a joining fee. With a straightforward rewards program and bonus points during the birthday month, it caters well to shoppers and regular users. The complimentary airport lounge access (both domestic and international) adds value for travelers. The annual fee is moderate and can be waived with sufficient annual spend, making it reasonable for those who use the card frequently.

However, the rewards rate and benefits beyond basic spend may be modest compared to premium cards, and some perks like Lounge lists and redemption mechanics require deeper exploration via detailed terms. Overall, it is suitable for users seeking a balanced mix of rewards and travel benefits with a clear fee structure.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

IDBI Winnings RuPay Select Credit Card