Winnings Credit Card

Winnings Credit Card banner Winnings Credit Card banner

IDBI Bank Credit Cards
The Smart way to spend

  • Personal Accident Insurance Cover
  • International & Domestic Airport Lounge Access
  • Concierge Service

About The Card

IDBI Bank welcomes you to the Winners Club. Now stay one step ahead always in life with your `Winnings' Credit Card. You will always enjoy an edge over your compeer with your intelligently designed 'Winnings' Credit Card.

With IDBI Bank `Winnings' Credit Card, always enjoy an extra convenience, security, and flexibility wherever you go!

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 digitized 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

The `Winnings' Credit Card always gives you something extra. You will earn 2 Delight Points for every Rs. 100 spent on your card. So shop till you drop with your `Winnings` Credit Card and get irresistible offers from globally renowned brands redeemable against your Delight Points.

• You can also earn 500 more Delight Points with just 5 transactions of value Rs. 1000 each per month.
• Get double Delight points on your Birthday month.

*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 Winnings RuPay Select card across all fuel stations for transactions in the range of Rs. 4000 to Rs. 5000. So keep driving and enjoying with friends and family.

*Maximum waiver of upto Rs. 400 per month

Accidental Death: Cover of Rs. 10.00 lakh in case of loss of life due to accident.
Permanent Disability: Cover of Rs. 10.00 lakh in case of permanent disability due to accident.
Age -18 years to 70 years
Card Usage - One successful financial or non-financial transaction at any channel is done in the last 90 days prior to the incident.

A smart man always makes the smartest move. Get away from the terminal traffic during a delayed flight to immerse in the comfort of plush airport lounges with delicious cuisine in India or abroad, absolutely free with your IDBI Bank `Winnings' Credit Card.

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

IDBI Bank Winnings Credit Card offers 2 complimentary lounge visits per calendar quarter at participating Airport Lounges in India and 2 complimentary lounge visits per calendar half year at participating Airport Lounges outside India.

For list of participating lounges, please Click Here

You can use your Winnings Credit Card for booking Air/IRCTC/Bus/Hotels/ Movie tickets or enjoying Dining, Shopping, Paying Utility Bills, Recharge, Fuel and much more at over 39.3 million merchants and 1.88 million ATMS spread across India and abroad, securely with RuPay PaySecure and also earn Delight points on your transactions.

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 Winnings RuPay Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The reward 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.

Card Fees and Charges
Type of Fees / Charges Amount / %
Joining Fee - (Primary / Add-on Card) Nil
Annual Fee – (Primary Card) Rs. 899 (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. 90,000/- in a year
Interest on Revolving Credit Facility 3.4% (p.m.)
Cash Advance Fee 2.5% of transaction fee or Rs. 500/-, whichever is higher
Interest on Cash Advance 3.4% (p.m.)
Late Payment Fess (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/ Latest IT Return//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 Winnings 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.