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Explore cards from India's leading banks.
Last updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% cashback on select online merchants, 1% on other spends
Cashback credited as points; 1 point = ₹0.15 typical redemption. Welcome and milestone offers as per product page.
The privileges that come bundled in, beyond the reward points.
5% cashback on select online merchants
1% cashback on other spends
Fuel surcharge waiver
Dining offers
An honest read on where this card earns its keep — and where it doesn't.
High cashback on online spends
No annual fee if spend waiver met
Cashback capped on select merchants
Higher interest rate
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with IDBI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IDBI Bank Cashback Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about IDBI Bank Cashback Credit Card fees, reward conversion, lounge access, and application eligibility.
IDBI Bank Cashback Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5% cashback up to ₹5,000 on spends of ₹10,000 within first 30 days (as published)".
IDBI Bank Cashback Credit Card earns Cashback at a primary rate of 5% cashback on select online merchants, 1% on other spends. Specifically, Cashback credited as points; 1 point = ₹0.15 typical redemption. Welcome and milestone offers as per product page.. Spends in Shopping, Lifestyle, Dining, Fuel categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 750 or above is strongly recommended for approval of IDBI Bank Cashback Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IDBI Bank Cashback Credit Card is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IDBI Bank Cashback Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IDBI Bank Cashback Credit Card currently features a welcome offer: "5% cashback up to ₹5,000 on spends of ₹10,000 within first 30 days (as published)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include High cashback on online spends and No annual fee if spend waiver met. However, keep in mind that Cashback capped on select merchants and Higher interest rate. Overall, IDBI Bank Cashback Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Dining, Fuel.
IDBI Bank Cashback Credit Card is focused on Shopping and Lifestyle and Dining and Fuel valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, IDBI Bank Cashback Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for IDBI Bank Cashback Credit Card directly through IDBI Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
