Euphoria Credit Card
About The Card
IDBI Bank welcomes you to a journey of elation and tranquility. You can escape to a tropical paradise, enjoy myriad of species underwater, pamper yourself in the most exotic hotels and relish your taste buds in the most delicious restaurants or discover the mesmerizing beauty of the world the way you want with the convenience, security and flexibility of your IDBI Bank Euphoria World Credit Card.
Experience world class privileges and rewards befitting your lifestyle and preferences with your IDBI Bank Euphoria World Credit Card.
For further details call Customer Care at 1800 425 7600 (Toll Free) or 022 - 4042 6013 (Call Charges Applicable) or visit the nearest IDBI Bank branch.
Credit Card Welcome e-KitThe digitised Credit Card Welcome e-Kit is IDBI Bank’s constant endeavor towards the Go Green initiative. This e-Kit provides the cardholder with detailed information regarding Card Usage, Cardholders Agreement and Most Important Terms & Conditions (MITC), in a downloadable PDF format.
Features and Benefits
Euphoria World Credit Card is a power house of exciting gifts and offers exclusively designed for your travel needs. You can earn 6 Delight Points for every 100 you spend on travel related expenses viz. Hotels, Airlines, IRCTC, Bus Bookings etc. or earn 3 Delight Points on every other spent, which can be redeemed against a wide range of handpicked gifts and souvenirs to suit your lifestyle and preferences. You can also choose to redeem your Delight Points as cash back in your account.
*Delight points would be accrued only on transactions except the ones exempted from delight points accrual. Refer the exempted transaction categories here.
Enjoy interest free credit of up to 48 days* on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due. *Refer MITC for more details
Waiver of 1%* fuel surcharge every time you fill fuel using IDBI Bank World Card across all fuel stations for transactions in the range of Rs. 400 to Rs. 5000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto Rs. 500 per month
IDBI Bank Euphoria World Credit Card provides an air travel accident insurance cover worth Rs. 25 lakhs to put your mind at ease while you travel for business or leisure.
Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your Euphoria World card offers you well deserved rest and use of facilities. You will surely find it useful to relieve travel fatigue and escape airport chaos.
The airport lounge access is being provided by master and is subject to change as per MasterCard discretion from time to time without any prior notice.
IDBI Bank Euphoria World Credit Card offers unlimited complimentary lounge visits at participating Airport Lounges in India.
For the list of participating Lounges please click here
Get more freedom with your Euphoria World Credit Card. You can use it at over 9 lakh merchants in India and over 29 million merchants abroad.
In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 - 4042 6013 (Non-toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction after reporting the loss will be covered by the Bank.
Make IDBI Bank your family Bank by gifting your family members (only for members above 18 years) an add-on World Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Delight Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the higher eligibility.
You may apply for upto 2 add-on cards for your family members.
Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. which are provided for MasterCard World cardholde Customers can enjoy travel concierge services provided by MasterCard for their travel related services. These offers are provided by MasterCard and may change as per MasterCard’s discretion from time to time without any prior notice.
For more details please click here click here
Card Fees and Charges
| Type of Fees / Charges | Amount / % |
|---|---|
| Joining Fee - (Primary / Add-on Card) | Nil |
| Annual Fee – (Primary Card) | Rs. 1499 (From second year onwards) |
| Annual Fee – (Add-on Card) | Nil |
| Renewal Fee – (Primary / Add-on Card) | Nil |
| Annual Fee Waiver | On spends of more than Rs. 1,50,000/- in a year |
| Interest on Revolving Credit Facility | 2.9% (p.m.) |
| Cash Advance Transaction Fee | 2.5% of transaction fee or Rs. 500/-, whichever is higher |
| Interest on Cash Advance | 2.9% (p.m.) |
| Late Payment Charges (per occasion, based on amount due): | < = Rs. 500 – Nil > Rs.500 to <= Rs. 5000 – Rs.400 > Rs.5000 to < = Rs. 10000 - Rs.500 > Rs.10000 to < = Rs. 20000 - Rs.750 > Rs.20000 – Rs.950 |
| Over Limit Charges | 2.5% of over limit amount subject to minimum of Rs. 500 |
| Cheque /Auto Debit Return Charges | Rs. 500 |
| Cash Processing Charges | Rs. 200 |
| Duplicate Physical Statement Request | Rs. 100 (More than 03 months old) |
| Card Replacement Fee | Rs. 200 |
| Foreign Currency Transactions | Bank charges Cross Currency mark- up 3.5% |
| Rewards Points Redemption Fee | Nil |
| EMI Charges | Minimum Amount: Rs. 3000/- Interest Rate: 13% per Annum Processing and Foreclosure Fees: Nil EMI Tenure Options: 3, 6, 9 or 12 month |
| Balance transfer Charges | Minimum Amount: Rs. 3000/- Processing Fee: 1.5% of BT amount or Rs. 199/- whichever is higher, Normal Interest rate for EMI will apply. |
| Card Account Closure Charge | Nil |
The above charges are exclusive of applicable GST
Eligibility
- Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
- Add-on card holder should be 18 years and above
- Should be a resident of India
Documentation
- ID Proof : Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card
- Residence Proof : Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
- Income Proof : Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16
- Recent Photograph
How To Apply
Get a Euphoria Credit Card in 3 easy steps.
01. Get In Touch
Call on our Phone Banking numbers - Toll Free -
1800 425 7600
Non Toll Free -
022 4042 6013(24x7 service)
03. Receive a Call Back
Our representative will contact you at the earliest.