Premium Wellness & RuPay UPI Credit Card with Domestic Lounges & Spa
IDBI Bank account holders seeking lifestyle wellness perks, golf rounds, and domestic airport lounge comfort combined with RuPay credit on UPI integration.
Free
One-time upfront₹499
Waived on ₹90,000 annual spendEarn 500 delight points or more on making 5 transactions worth Rs. 1000 per month. Earn 2 delight points on every Rs. 100 spent on 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 Winnings RuPay Select Credit Card brings NPCI's premier RuPay Select lifestyle privileges to IDBI Bank customers at an accessible price point. With zero joining fee and an annual renewal fee of just ₹499 plus GST (completely waived upon spending ₹50,000 annually), it delivers exceptional value. Cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter across major Indian airports, along with RuPay Select wellness privileges: complimentary annual preventive health checkup package, spa session vouchers, and golf coaching rounds. Crucially, the card links directly to UPI apps (Google Pay, PhonePe, Paytm, BHIM) for instant QR code payments at neighborhood merchants while earning rewards on every transaction. With complimentary accident insurance cover up to ₹10 Lakhs and 1% fuel surcharge waiver, IDBI Winnings is a superb everyday lifestyle card.
Earn 500 delight points or more on making 5 transactions worth Rs. 1000 per month. Earn 2 delight points on every Rs. 100 spent on this card.
Get 10% cashback up to Rs. 500 on all transactions done within 90 days of receiving the card.
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 & UPI Spends | 4 IDBI Delight Points per ₹100 spent on retail and UPI merchant transactions (1.00% 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 & UPI Spends | ₹18,000 | 4 IDBI Delight Points per ₹100 spent on retail and UPI merchant transactions (1.00% 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-₹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 ₹25,000 or self-employed with ITR over ₹3.5 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹499 annual renewal fee (waived on spending ₹50,000 in previous card year). • RuPay Select Privileges: Complimentary domestic airport lounge access, annual preventive health checkup package, spa session, and golf rounds via RuPay Select. • UPI Payments: Seamlessly link to UPI applications (BHIM, PhonePe, Google Pay) for instant scan-and-pay QR merchant payments. • Rewards Structure: Earn 2 Delight reward points per ₹100 on retail transactions with accelerated rewards on utility and grocery spends. • Insurance Protection: Complimentary personal accidental insurance cover up to ₹10 Lakhs. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹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 Winnings RuPay Select 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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