Once your credit card application is approved, it takes approximately 7 working days to receive your credit card.

Once your credit card is dispatched, you will receive the dispatch details by way of an SMS on your mobile number registered with us. You can track the status of the shipment by entering AWB number on the courier/speed post website.

If you need any further assistance, please call our Customer Care number.

All Chip cards are sent in activated state if they are sent by Blue Dart Courier and can be used as soon as you receive it. However if the card is sent to you by speed post it will be in the deactivated state. If your Credit Card is in deactivated state, kindly activate it by calling the Customer Care at 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable).

The card issued is an International chip card, however the card will be enabled for International transactions as per the cardholder instructions given on the application form.

You can contact Customer Care for activation of your IDBI Bank Credit Card for carrying out International transactions. Please call on our customer care number 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable). Refer MITC for details of the fees and charges applicable on international usage of IDBI Bank Credit Card.

Yes, you can withdraw cash at any bank ATM using IDBI Bank Credit Card, provided the withdrawal amount is within your 'cash withdrawal limit'. 'Cash withdrawal limit' is communicated to you in your welcome letter and is also indicated in your monthly card statement.

You can refer to MITC for fees and charges related to cash withdrawal applicable on your card.

Inform our IDBI Bank 24-hour Customer Care at 1800 425 7600 (Toll Free) or / 022 - 4042 6013 (call charges applicable) immediately. Your lost/damaged card will be blocked instantly to prevent further misuse of the card. SMS and email will be sent on your registered number and email address to confirm that the card is blocked.

You can visit your nearest IDBI Bank branch with a written request for card replacement specifying the reason for the same. You can also contact Customer Care at 1800 425 7600 (Toll Free) or / 022 - 4042 6013 (call charges applicable) with the card replacement request.

Please refer MITC for fees and charges related to card replacement

A chip Credit Card is a Card with a microchip embedded in it. When a Chip Credit Card is used at a chip enabled terminal at a merchant outlet or at an ATM, the payment system reads information from the Card chip to establish the Card details. The chip offers a more secure payment mechanism compared to the traditional Magnetic Stripe, and reduces the probability of skimming, i.e., copying of personal data from the information stored on the Card. A Euro pay MasterCard Visa (EMV) Chip + PIN Card mandates the use of a Personal Identification Number (PIN) to authorize purchase transactions providing an extra layer of security. The PIN for your Card is dispatched to you in a separate packet than the Card and should be known only to you. We advise you to not share your Card and your Card PIN with anyone.

Merchants in India are progressively moving towards Chip + PIN configuration on their terminals. If a merchant POS terminal (domestic or international) is enabed for PIN authentication, a PIN would be mandatorily required for transactions on the EMV Chip + PIN Card. If the merchant terminal is not yet configured, Card members would still be able to transact by just signing a charge slip, generated on using the new Chip + PIN Card.

No, you should never share your Card PIN with anyone, including the merchant. You should always insist on entering the PIN yourself.

Yes, an add-on Card would have a separate PIN than a primary Card. The add-on Card PIN would be sent to you separately by speed post.

If you are on revolving credit, any fresh purchases attract interest from their respective dates of purchase.

If all outstanding amount is paid, the interest charges will cease to apply immediately.

The excess amount shows up in your monthly statement and is adjusted against future purchases.

Credit cards (including International cards) are issued to resident Indians only. Therefore, under RBI guidelines, you have to clear all your outstanding and surrender your credit card to the issuing bank if you are proceeding abroad on long term employment or on emigration.

Please refer to Safety & Security Tips

Please refer to the MITC for details on all fees and charges applicable on your IDBI Bank Credit Card.

Credit cards provide you the option to pay the minimum amount due on the bill due date and revolve the rest of the outstanding amount. The minimum amount due is calculated as 5% of the billing amount or minimum of 50. In case if you choose to opt for EMI or your credit card spends are overlimit, the MAD will be 5% of the billing amount or minimum of 50 plus the EMI amount or overlimit amount, as applicable. Interest will be charged on the revolving portion of the outstanding amount as applicable as per the MITC.

EMI facility provides you the option to repay the outstanding amount in equated monthly installments. The minimum EMI convertible amount is 3000 for IDBI Bank Credit Card. You can opt to pay the amount over 3, 6, 9 or 12 months at nominal interest rate as applicable.

The Limit assigned on your card is reviewed periodically by the Bank based on usage and payment pattern on the card account. An email and SMS will be sent to all customers who are eligible for an enhancement of credit limit. If you respond to the email or call the Customer Care your request will be processed and limit will be enhanced in the system.

You can also request for credit enhancement by providing a written request letter along with your latest income proof at the nearest IDBI Bank branch. Bank will evaluate the request on the basis of internal credit underwriting guidelines and approve or disapprove the same. Please note that this facility is available only after 6 months of membership and customer profile including their credit history.

If you make a transaction that exceeds your available credit limit, IDBI Bank will use its discretion and decide whether or not to approve the transaction. If the transaction is approved, an over-limit charge would be levied to the card account. The over-limit charge is 2.5% of the amount by which the credit limit is exceeded (subject to a minimum charge of 500).

There will be times when you feel the need for an increase in your credit limit to enable you to make increased purchases on your card. To avail of temporary credit-limit enhancement, you must visit the nearest IDBI Bank branch and submit a written request letter along with required income proof. IDBI Bank may increase your credit limit at its discretion. Please note that this facility is available only after 6 months of membership and customer profile including their credit history.

The cardholder has access to cash, round the clock, at IDBI Bank/ VISA ATMs in India and overseas. A transaction fee of 2.5% of the transaction amount (subject to a minimum of 500) would be levied on all such transactions of the cash advance and would be billed to the cardholder in the monthly statement.

The cash advance limit varies with IDBI Bank Credit Card type. It is communicated to you in your welcome letter and is also indicated in your monthly card statement.

To update your mobile number you must fill up the Miscellaneous Request Form (available at IDBI Bank branches and also on IDBI Bank website) and submit the same at the nearest IDBI branch.

In case your PIN has got blocked due to 3 incorrect attempts your card will be automatically unblocked after 24 hours or else you can also call our 24-hour Customer Care on 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable) and get the PIN unblocked.

All customers will receive their monthly statement on their registered email with us (by default). However, if you have specifically chosen to receive physical statements every month you will receive it at your correspondence address.

Your statement is divided mainly into three parts.

The first part informs you about the key details of your Card, such as Statement Period, Card number, Payment due date, Minimum amount due, Available Credit Limit and Available Cash Limit etc.

The second part has date-wise details of your purchases, payments, fees and interest charges, if any. All your transactions for current billing cycle are listed here.

Finally the bottom of the statement has your Reward Point summary.

In case of non-receipt of e-statement, you can:

Log-on to IDBI Bank Credit Card Net Banking using your login id and password and download a copy of your statement.

Call our Customer Care Numbers at our 24 hour Toll free numbers 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable) and get details of your account.

Meanwhile, you can also make your payment on the basis of the SMS Alert received on your mobile / email.

In case of non-receipt of physical statement you can request for a duplicate statement by calling Customer Care at 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable) or visit your nearest IDBI Bank branch. Kindly note fees for duplicate statement issued will be charged as applicable.

Log-in to IDBI Go Mobile+ App, visit the Credit Cards section and click on Duplicate E-Statement. The duplicate E-Statement would be sent on your registered e-mail id

In case you have not opted for the statement through email, you can contact our Customer Care officers at our 24 hour Toll free numbers 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable) and request for statements on email.

Applicable for both primary and add-on cards

Gross Negligence by customer is not covered

Any claim due to deliberate breach of law would not be payable

Insurance benefit would be available only to Active Card users. An Active Card is defined as the card with two transactions / activities on any

ATM/POS/e-commerce terminal in last 3 months from date of loss incurred.

ATM Frauds will cover fraudulent cash withdrawals and fraudulent transactions from stolen/lost cards.

All transactions done by persons other than by cardholder are not covered

Claim should be reported by card holder to Bank within 30 days from the date of event.

Any claims due to emergency situations such as floods, earthquakes, terrorist activity will not be covered.

Claim for loss/theft or fraudulent transactions while travelling abroad will be paid only for those cards which are activated by customer for foreign transactions.

The Bank will not be liable for any delayed settlement of claims by insurance company

Reimbursement would be restricted to the lower of loss incurred and maximum sum insured.

All fraudulent use of lost or stolen credit cards including due to counterfeit / lost in transit / ATM transactions / online transactions/ point of sale merchant establishments transactions are covered under zero loss liability cover. Once the card is reported as lost or stolen it will be immediately hot listed/blocked to avoid any misuse of the card. The customer has zero lost card liability for any misuse after card has been hot listed/blocked.

The period of reporting lost/stolen card is within 48 hours of card loss and within 30 days from the date of receipt of statement where in the alleged online fraud transaction is reflected.

In case your card is lost or stolen immediately call Customer Care on 1800 425 7600 (Toll Free) / 022 - 4042 6013 (Call Charges Applicable) and get your card deactivated / blocked / cancelled to prevent misuse.

If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your IDBI Bank Credit Card Statement.

In case you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your IDBI Bank Credit Card Statement.

In the unfortunate event of loss of life due to an air travel accident, your nominee will receive the benefits of accident insurance. However the claim must be made within 180 days of the death of the card holder . IDBI Bank Credit Card provides complimentary Air Travel Accident Insurance Cover of up to 25 lakhs for all IDBI Bank Royale Signature & Euphoria World Credit Card customers through tie-up with third party Insurance Company.

Please ensure that the details of the nominee are provided when the credit card application form is being filled by you. If not already done, fill up the form and submit to nearest IDBI Bank Branch.

All IDBI Bank Royale Signature & Euphoria World Credit Card customers™ nominee is eligible to claim the air travel accident cover. However Air travel accident is valid only if the IDBI Bank Royale Signature/Euphoria World Credit Card has been used for a minimum of two transactions / activities on any ATM/POS/e-commerce terminal in last 3 months preceding the incident. IDBI Bank shall have the first charge/lien on the insurance amount for adjusting outstanding amount.

• Nominee has to report Death of the Cardholder by giving written application along with the proof of death and relationship with the cardholder and submit it to the nearest IDBI Bank branch.
• Bank will check all documents and forward the same to the Insurance Company.
• If the claim is approved, Insurance Company will transfer the claim amount in the account of the nominee.

Whenever you use your Credit Card for any purchase* you will earn Delight Points. The Delight Points structure for each card is given below -

Card Type	Delight Points Earnings
Aspire Platinum Credit Card	2 Delight Points on every 150 spent
Imperium Platinum Credit Card	2 Delight Points on every 150 spent
Royale Signature Credit Card	3 Delight Points for every 100 spent
Euphoria World Credit Card	6 Delight Points for every 100 you spent on travel related expenses viz. Hotels, Airlines, IRCTC, Bus Bookings etc. or earn 3 Delight Points on every other spent.
Winnings RuPay Credit Card	2 Delight Points on every 100 spent.

*Conditions Apply.

You can check the Delight Points on your card from:

Your latest Credit Card statement or

You can log in to IDBI Bank Credit Card Net-Banking and check the details.

All Delight Points accrued on your IDBI Bank Credit Card expires after 3 years from the date of issuance of points.

You can redeem your Delight Points for avail various services like mobile/DTH recharge, bill payment, flight booking, etc. You may also get cashback for the value of Delight Points. The conversion rate is every 1 Delight Points=0.25 paisa. The cashback will be credited to your credit card account and can be adjusted against your credit card payment outstanding. A minimum of 1000 Delight Points are required to avail redemption for services and minimum 4000 Delight Points are required to avail redemption as cashback.

Customer can request for redemption by logging onto his IDBI Bank Credit Card Net-Banking account or through the IDBI Delight Customer Care at 1800 208 1947(Toll Free).