Premium Travel & Golf Credit Card with Domestic Lounges & Concierge
Affluent IDBI Bank account holders seeking travel comfort, domestic airport lounge visits, and curated golf privileges.
Free
One-time upfront₹1,499
Waived on ₹1.5 lakh annual spend3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDBI Euphoria World Credit Card is designed to cater to the lifestyle aspirations of IDBI Bank's affluent and corporate clientele. Operating on the globally recognized Mastercard World platform, it offers a sophisticated blend of travel convenience, dining privileges, and leisure perks. With zero joining fee and an annual fee of ₹1,499 plus GST (reversed on ₹1,50,000 annual spend), cardholders gain 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across primary Indian airports. Leisure spenders also enjoy complimentary golf rounds and lessons at premier courses across India, 24/7 Mastercard concierge assistance, and comprehensive travel accident insurance cover. Delivering 6 reward points per ₹100 on travel bookings, airlines, and hotels, the IDBI Euphoria World card serves as a dependable travel companion.
3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.
4,000 delight points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Welcome Benefit | 500 points on card activation + 1,500 points on transaction of ₹10,000+ within 30 days | No Cap | Standard terms apply |
| Travel, Airlines & Hotels Spends | 6 IDBI Delight Points per ₹100 spent on travel, airlines and hotel bookings (1.50% valueback; 1 DP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 3 IDBI Delight Points per ₹100 spent on all other purchases (0.75% valueback) | 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 | ₹6,000 | 500 points on card activation + 1,500 points on transaction of ₹10,000+ within 30 days | — | None | Calculating... | Under cap |
| Travel, Airlines & Hotels Spends | ₹6,000 | 6 IDBI Delight Points per ₹100 spent on travel, airlines and hotel bookings (1.50% valueback; 1 DP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 3 IDBI Delight Points per ₹100 spent on all other purchases (0.75% valueback) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
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 ₹50,000 or self-employed with ITR over ₹6 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹1,499 annual renewal fee (waived on spending ₹1,50,000 in previous card year). • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits per calendar year) via Mastercard World. • Golf Privileges: Complimentary golf games and golf lessons per calendar year at premier golf courses across India. • Rewards Acceleration: 6 reward points per ₹100 on airline tickets, travel bookings, and hotels; 3 reward points per ₹100 on other retail spends. • Concierge Privileges: 24/7 dedicated Mastercard World concierge for flight bookings, luxury dining, and special event reservations. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver ₹250 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 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 Euphoria World 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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