Euphoria Credit Card

Euphoria Credit Card banner Euphoria Credit Card banner

IDBI Bank Credit Cards
The Smart way to spend

  • 2X Delight points on Travel related spends
  • Complimentary Airport Lounge Access
  • Free Air Travel Accident Insurance Cover

About The Card

IDBI Bank welcomes you to a journey of elation and tranquility. You can escape to a tropical paradise, enjoy myriad of species underwater, pamper yourself in the most exotic hotels and relish your taste buds in the most delicious restaurants or discover the mesmerizing beauty of the world the way you want with the convenience, security and flexibility of your IDBI Bank Euphoria World Credit Card.

Experience world class privileges and rewards befitting your lifestyle and preferences with your IDBI Bank Euphoria World Credit Card.

For further details call Customer Care at 1800 425 7600 (Toll Free) or 022 - 4042 6013 (Call Charges Applicable) or visit the nearest IDBI Bank branch.

Credit Card Welcome e-Kit

The digitised Credit Card Welcome e-Kit is IDBI Bank’s constant endeavor towards the Go Green initiative. This e-Kit provides the cardholder with detailed information regarding Card Usage, Cardholders Agreement and Most Important Terms & Conditions (MITC), in a downloadable PDF format.

Card Usage Guide
Cardholders Agreement
Most Important Terms & Conditions (MITC)
Features and Benefits

Euphoria World Credit Card is a power house of exciting gifts and offers exclusively designed for your travel needs. You can earn 6 Delight Points for every 100 you spend on travel related expenses viz. Hotels, Airlines, IRCTC, Bus Bookings etc. or earn 3 Delight Points on every other spent, which can be redeemed against a wide range of handpicked gifts and souvenirs to suit your lifestyle and preferences. You can also choose to redeem your Delight Points as cash back in your account.

*Delight points would be accrued only on transactions except the ones exempted from delight points accrual. Refer the exempted transaction categories here.

Enjoy interest free credit of up to 48 days* on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due. *Refer MITC for more details

Waiver of 1%* fuel surcharge every time you fill fuel using IDBI Bank World Card across all fuel stations for transactions in the range of Rs. 400 to Rs. 5000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto Rs. 500 per month

IDBI Bank Euphoria World Credit Card provides an air travel accident insurance cover worth Rs. 25 lakhs to put your mind at ease while you travel for business or leisure.

Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your Euphoria World card offers you well deserved rest and use of facilities. You will surely find it useful to relieve travel fatigue and escape airport chaos.

The airport lounge access is being provided by master and is subject to change as per MasterCard discretion from time to time without any prior notice.

IDBI Bank Euphoria World Credit Card offers unlimited complimentary lounge visits at participating Airport Lounges in India.

For the list of participating Lounges please click here

Get more freedom with your Euphoria World Credit Card. You can use it at over 9 lakh merchants in India and over 29 million merchants abroad.

In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 - 4042 6013 (Non-toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction after reporting the loss will be covered by the Bank.

Make IDBI Bank your family Bank by gifting your family members (only for members above 18 years) an add-on World Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Delight Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the higher eligibility.

You may apply for upto 2 add-on cards for your family members.

Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. which are provided for MasterCard World cardholde Customers can enjoy travel concierge services provided by MasterCard for their travel related services. These offers are provided by MasterCard and may change as per MasterCard’s discretion from time to time without any prior notice.

For more details please click here click here

Card Fees and Charges
Type of Fees / Charges Amount / %
Joining Fee - (Primary / Add-on Card) Nil
Annual Fee – (Primary Card) Rs. 1499 (From second year onwards)
Annual Fee – (Add-on Card) Nil
Renewal Fee – (Primary / Add-on Card) Nil
Annual Fee Waiver On spends of more than Rs. 1,50,000/- in a year
Interest on Revolving Credit Facility 2.9% (p.m.)
Cash Advance Transaction Fee 2.5% of transaction fee or Rs. 500/-, whichever is higher
Interest on Cash Advance 2.9% (p.m.)
Late Payment Charges (per occasion, based on amount due): < = Rs. 500 – Nil
> Rs.500 to <= Rs. 5000 – Rs.400
> Rs.5000 to < = Rs. 10000 - Rs.500
> Rs.10000 to < = Rs. 20000 - Rs.750
> Rs.20000 – Rs.950
Over Limit Charges 2.5% of over limit amount subject to minimum of Rs. 500
Cheque /Auto Debit Return Charges Rs. 500
Cash Processing Charges Rs. 200
Duplicate Physical Statement Request Rs. 100 (More than 03 months old)
Card Replacement Fee Rs. 200
Foreign Currency Transactions Bank charges Cross Currency mark- up 3.5%
Rewards Points Redemption Fee Nil
EMI Charges Minimum Amount: Rs. 3000/-
Interest Rate: 13% per Annum
Processing and Foreclosure Fees: Nil
EMI Tenure Options: 3, 6, 9 or 12 month  
Balance transfer Charges Minimum Amount: Rs. 3000/-
Processing Fee: 1.5% of BT amount or Rs. 199/- whichever is higher, Normal Interest rate for EMI will apply.
Card Account Closure Charge Nil

The above charges are exclusive of applicable GST


  • Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).
  • Add-on card holder should be 18 years and above
  • Should be a resident of India
The above eligibility criteria are only indicative. The Bank reserves the right to approve or decline applications for Credit Card.


  • ID Proof : Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card
  • Residence Proof : Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
  • Income Proof : Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Income Tax Returns (ITR)/Form 16
  • Recent Photograph
The above list is only indicative and documents required may vary on a case to case basis.
How To Apply

Get a Euphoria Credit Card in 3 easy steps.

01. Get In Touch

Call on our Phone Banking numbers - Toll Free -
1800 425 7600

Non Toll Free -
022 4042 6013
(24x7 service)

02. Visit Our Branch

Visit the nearest branch.

03. Receive a Call Back

Our representative will contact you at the earliest.