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Lifetime FreeLast 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
2 reward points per ₹100 on all spends, 5 reward points per ₹100 on travel, dining & online categories
Points redeemable for air‑miles, gift vouchers or statement credit. Typical redemption value ≈ ₹0.25 per point. Points valid for 36 months from accrual.
The privileges that come bundled in, beyond the reward points.
Complimentary domestic lounge access
Fuel surcharge waiver
Personal accident cover up to ₹25 lakh
Dining discounts
Reward points on all spends
An honest read on where this card earns its keep — and where it doesn't.
No joining or annual fee
Good reward points on all spends
Complimentary lounge access
Interest rate higher than some peers
Redemption value modest
Lounge network limited to select airports
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
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 Signature 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 Signature Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, IDBI Bank Signature Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
IDBI Bank Signature Credit Card earns Reward Points at a primary rate of 2 reward points per ₹100 on all spends, 5 reward points per ₹100 on travel, dining & online categories. Specifically, Points redeemable for air‑miles, gift vouchers or statement credit. Typical redemption value ≈ ₹0.25 per point. Points valid for 36 months from accrual.. Spends in Travel, Dining, Shopping, Fuel categories provide the maximum valueback per transaction on this card.
Yes, IDBI Bank Signature Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary domestic lounge access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of IDBI Bank Signature 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 Signature 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 Signature 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 Signature Credit Card currently features a welcome offer: "5,000 reward points on spends of ₹5,000 within 30 days of card issuance (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 No joining or annual fee and Good reward points on all spends. However, keep in mind that Interest rate higher than some peers and Redemption value modest. Overall, IDBI Bank Signature Credit Card delivers strong value if your regular spending aligns with Travel, Dining, Shopping, Fuel.
Yes, IDBI Bank Signature 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 Signature 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.
