Winnings Credit Card
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 Bankās 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.Features and Benefits
ā¢ You can also earn 500 more Delight Points with just 5 transactions of value Rs. 1000 each per month.
ā¢ Get double Delight points on your Birthday month.
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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
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° *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.
š§ø *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.
Criteria:
Age -18 years to 70 years
ź¦ Card Usage - One successful financial or non-financial transaction at any channel is done in the last 90 days prior to the incident.
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 PaySecuāre and also earn Delight points on yoį¦ur transactions.
Card Fees and Charges
Type of Fees / Charges | Amount / % |
---|---|
Joining Fee - (Primary / Add-on Card) | Nil |
Annual Fee ā (Primary Card) | Rs. 899 (From second year onwards) |
Annual Fee ā (Add-on Card) | Nil |
Renewal Fee ā (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 ā Nil > Rs.500 to <= Rs. 5000 ā Rs.400 > Rs.5000 to < = Rs. 10000 - Rs.500 > Rs.10000 to < = Rs. 20000 - Rs.750 > Rs.20000 ā 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 |
- 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
- 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 monthsā Salary Slip/ Latest 3 months Bank Statement/ Latest IT Return//Form 16
- Recent Photograph
How To Apply
Get a Winnings Credit Card in 3 easy steps.01. Get In Touch
Call on our Phone Banking numbers - Toll Free -
š 1800 425š¦ 7600
Non Toll Free -
022 4042 6013
š¼ (24x7 sāerź§vice)