Royale Signature Credit Card

Features and Benefits

	Earn More while you Spend The IDBI Bank Royale Signature Card understands your lifestyle and rewards you for your needs. You will earn 3 Delight Points for every 100 spent by you using your IDBI Bank Royale Signature Credit Card; so enjoy on travelling, shopping, dining-out or watching movies, get rewarded for all your spends. Additionally you will earn a welcome gift of 750 Delight Points on first usage of the card within 30 days days or 400 Delight Points on usage between 31 to 90 days from the card issuance date. The minimum eligible transaction value for the welcome gift is 1,500.
	Interest Free Credit 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
	Drive On Waiver of 1%* fuel surcharge every time you fill fuel using IDBI Bank Royale Signature Card across all fuel stations for transactions in the range of 400 to 5000. So keep driving and enjoying with friends and family. *Maximum waiver of upto 500 per month
	Air Travel Accident Insurance Cover IDBI Bank Royale Signature Credit Card provides an air travel accident insurance cover worth 25 lakhs to put your mind at ease while you travel for business or leisure.
	Airport Lounge Access Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your Royale 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 VISA and is subject to change as per VISA’s discretion from time to time without any prior notice. For the list of participating Lounges please click here
	Wider Acceptance Get more freedom with your Royale Credit Card. You can use it at over 9 lakh merchants in India and over 29 million merchants abroad.
	Zero Lost Card Liability 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.
	Family Cards Make IDBI Bank your family Bank by gifting your family members (only for members above 18 years) an add-on Royale Signature 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.
	VISA offers Customers will be eligible for exclusive offers on airport shopping, hotel, car rentals etc. which are provided for VISA Signature cardholders. Customers can enjoy travel concierge services provided by VISA for their travel related services. These offers are provided by VISA and may change as per VISA’s discretion from time to time without any prior notice. For more details please click here

Royale Signature Card Fees and Charges:

Type of Fees / Charges	Amount / %
Joining Fee - (Primary / Add-on Card)	Nil
Annual Fee – (Primary Card / Add-on Card)	Nil
Renewal Fee – (Primary / Add-on Card)	Nil
Interest on Revolving Credit Facility	2.5% (p.m.)
Cash Advance Fee	2.5% of transaction fee or 500/-, whichever is higher
Interest on Cash Advance	2.5% (p.m.)
Late Payment Fess (Per occasion , Based on amount due)	< = 500 – Nil > 500 to <= 5000 – 400 > 5000 to < = 10000 - 500 > 10000 to < = 20000 - 750 > 20000 – 950
Over Limit Charges	2.5% of over limit amount subject to minimum of 500
Cheque /Auto Debit Return Charges	500
Cash Processing Charges	200
Duplicate Statement Request	100 (More than 03 months old)
Card Replacement Fee	200
Foreign Currency Transactions	Bank charges Cross Currency mark- up 3.5%
Reward Points Redemption Fee	99
EMI Charges	Minimum Amount: 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: 3000/- Processing Fee: 1.5% of BT amount or 199/- whichever is higher, Normal Interest rate for EMI will apply.
Card Account Closure Charge	Nil

The above charges are exclusive of applicable GST

Eligibility:

• • 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.