Affluent Travel & Lifestyle Card with Domestic Lounges & ₹1L Spend Waiver
IDBI Bank priority customers looking for airport lounge comfort, travel insurance protection, and accessible spend-based fee reversals.
Free
One-time upfront₹799
Lifetime Free — no renewal fee3 Delight Points per Rs. 100 spent using the card
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDBI Bank Royale Signature Credit Card is engineered for aspiring affluent professionals and regular domestic travelers. Featuring zero joining fee and an annual fee of ₹799 plus GST (reversed on ₹1,00,000 annual spend), it combines Visa Signature privileges with modest maintenance hurdles. Cardholders enjoy 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across primary Indian terminals. The card delivers 4 Delight points per ₹100 on travel bookings and dining reservations, alongside 2 Delight points per ₹100 on regular retail purchases. Cardholders also benefit from complimentary personal air accident insurance cover up to ₹25 Lakhs. With standard 1% fuel surcharge waiver across India and 24/7 Visa Signature concierge assistance, the Royale Signature card delivers balanced lifestyle utility.
3 Delight Points per Rs. 100 spent using the card
750 Delight Points if the first transaction of minimum Rs. 1,500 is made with 30 days of card issuance or 400 Delight Points if the first transaction of minimum Rs, 1,500 is made between 31 and 90 days of card issuance.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Welcome Benefit | 500 points on card activation + 1,000 points on transaction of ₹5,000+ within 30 days | No Cap | Standard terms apply |
| All Retail Spends | 3 IDBI Delight Points per ₹100 spent on retail purchases (0.75% valueback; 1 DP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Welcome Benefit | ₹12,000 | 500 points on card activation + 1,000 points on transaction of ₹5,000+ within 30 days | — | None | Calculating... | Under cap |
| All Retail Spends | ₹18,000 | 3 IDBI Delight Points per ₹100 spent on retail purchases (0.75% valueback; 1 DP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹799
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried professionals with monthly income over ₹40,000 or self-employed with ITR over ₹5 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹799 annual renewal fee (waived on spending ₹1,00,000 in previous card year). • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits per calendar year) via Visa Signature. • Rewards Acceleration: 4 Delight points per ₹100 on airlines, hotels, and dining; 2 Delight points per ₹100 on other retail spends. • Concierge Privileges: 24/7 Visa Signature concierge assistance for dining, travel bookings, and event tickets. • Insurance Coverage: Complimentary air accident personal insurance cover of up to ₹25 Lakhs. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹200 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹799 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IDBI Bank Royale Signature Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IDBI Bank portal with paperless verification.
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Forex markup: 2% Low Forex
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