Joining Fee:
FREE
Return Percentage:1% to 3%
Credit Card Overview
A lifestyle-focused Euphoria card providing accelerated rewards on shopping, entertainment, and dining, with milestone benefits for frequent spenders.
Best Suited For: Catalogue Products
IDBI
Fees and charges at a glance
- Annual fee
- ₹1,499
- Joining fee
- Free
- Reward rate
- 1% to 3%
- Forex markup
- 3.5%
- Interest rate
- 34.8% p.a.
- Add-on card
- Free
Charged every year you keep the card
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
IDBI Euphoria credit card — Earn Categories
Everyday rate
- Base Rewards3 Delight Points (DPs) / ₹100
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Fuel
- Insurance
- Government