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    Saturday, August 15

    IDBI Bank – Euphoria Credit Card : Features, Eligibility, and Application Process

    Credit Cards 4 Mins Read

    This article provides a concise overview of the prominent features, eligibility prerequisites, and the application procedure for IDBI Bank’s Euphoria Credit Card.

    IDBI Bank Euphoria Credit Card

    Features of IDBI Bank – Euphoria Credit Card:

    Main features:
    • Maximize Your Spending Benefits
    • The Euphoria World Credit Card offers an array of exclusive gifts and enticing offers meticulously crafted for your travel requirements.
    • Earn 6 Delight Points for every Rs. 100 spent on travel-related expenses such as hotels, airlines, IRCTC, bus bookings, and more. For other expenses, earn 3 Delight Points per Rs. 100 spent.
    • These points can be redeemed for a diverse selection of curated gifts and mementos that align with your lifestyle and preferences.
    • Alternatively, opt to convert your Delight Points into cash back credited to your account.
    • Interest-Free Credit
    • Drive Ahead
    • Air Travel Accident Insurance Coverage
    Additional Features:
    • Indulge in Airport Lounge
    • Luxury Experience indulgence at handpicked airport lounges across India with your Euphoria World card, regardless of your airline or ticket class. Relax and enjoy the facilities, providing a perfect escape from travel fatigue and bustling airport environments.
    • Please note, the airport lounge access is facilitated by MasterCard and is subject to MasterCard’s discretion. Changes may occur without prior notice.
    • With the IDBI Bank Euphoria World Credit Card, relish unlimited complimentary lounge visits at participating Airport Lounges in India.
    • Explore our Participating Lounges:
    • Enhanced Acceptance Worldwide
    • Zero Liability for Lost Cards
    • Family Card Benefits
    • Exclusive MasterCard Offers
    Card Category: Travel + Reward 
    Eligibility for IDBI Bank – Euphoria Credit Card:

    To discover if you qualify for this exceptional credit card, explore the eligibility criteria designed for both salaried individuals and self-employed professionals below.

    For Salaried:
    • The primary cardholder’s age should be between 21 and 60 years (65 years for self-employed individuals).
    • Add-on cardholders must be 18 years or older.
    • Applicants must be residents of India.
    • These eligibility guidelines serve as an indication only. The Bank holds the discretion to approve or decline Credit Card applications.
    For Self-employed:
    • The primary cardholder’s age should be between 21 and 60 years (65 years for self-employed individuals).
    • Add-on cardholders must be 18 years or older.
    • Applicants must be residents of India.
    • These eligibility guidelines serve as an indication only. The Bank holds the discretion to approve or decline Credit Card applications.
    Fees for IDBI Bank – Euphoria Credit Card:
    • Joining Fee (Primary / Add-on Card): None
    • Annual Fee (Primary Card): Rs. 1499 (Applicable from the second year onwards)
    • Annual Fee (Add-on Card): None
    • Renewal Fee (Primary / Add-on Card): None
    • Annual Fee Waiver: Offered on spending over Rs. 1,50,000 in a year
    • Interest on Revolving Credit Facility: 2.9% per month
    • Cash Advance Transaction Fee: 2.5% of the transaction amount or Rs. 500, whichever is higher
    • Interest on Cash Advance: 2.9% per month
    • Late Payment Charges (per occasion, based on amount due):
      •       Up to Rs. 500: None

      • 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 the over-limit amount, with a minimum of Rs. 500
    • Cheque / Auto Debit Return Charges: Rs. 500
    • Cash Processing Charges: Rs. 200
    • Duplicate Physical Statement Request (More than 3 months old): Rs. 100
    • Card Replacement Fee: Rs. 200
    • Foreign Currency Transactions: Bank applies a Cross Currency mark-up of 3.5%
    • Rewards Points Redemption Fee: None
    • EMI Charges:
      • Minimum Amount for EMI: Rs. 3000/-
      • Interest Rate: 13% per annum
      • Processing and Foreclosure Fees: None
      • EMI Tenure Options: 3, 6, 9, or 12 months
    • Balance Transfer Charges:
      • Minimum Amount for Transfer: Rs. 3000/-
      • Processing Fee: 1.5% of the transfer amount or Rs. 199/-, whichever is higher
      • Normal Interest rate for EMI will apply.
    • Card Account Closure Charge: None

    How to apply?

    Click here to apply for the IDBI Bank’s Euphoria Credit Card.

     

     

    Note: The information presented here is sourced from publicly available data. We cannot be held responsible for any inaccuracies in the details. For the most current and accurate information, please visit the official website of the respective bank.

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