The full form of IDBI Industrial Development Bank of India. It is one of the largest commercial banks and offers banking and financial services to their customers. IDBI was established in 1964 by act of parliament and its headquarters is in Mumbai. It is one of 27 commercial banks owned by the government of India.
The IDBI Bank Euphoria World Credit Card helps in experiencing travel in the most enjoyable, secure, and convenient manner. The card offers amazing privileges and rewards that are highly beneficial for cardholders. A cardholder can enjoy 6 Delight Points for each expense of Rs 100 on travel. Travel expenses comprise bus tickets, railway tickets, air tickets, cab fare, hotel fare, etc. 3 Delight Points can be availed for all other expenses.
1. 4,000 Delight Points as a welcome gift.
2. Avail 2,000 Delight Points on Card Renewal.
3. 2.5% fuel surcharge waiver.
4. Insurance coverage worth Rs.25 Lakhs.
5. 6 Delight Points for every Rs.100 spent on travel and 3 Delight Points for other spends.
6. Cardholders can enjoy fuel surcharge waiver of 2.5% (Maximum – up to Rs.500) when they spend an amount ranging from Rs.400 to Rs.5,000 on fuel every month.
7. Cardholders can enjoy an interest free credit period of up to 48 days.
8. Holders of IDBI Bank Euphoria World Credit Card can easily access selected airport lounges in India.
|
Reward type |
Travel |
|
Welcome Gift |
Get 4,000 Delight Points as a welcome gift when you spend at least Rs.1,500 on the first transaction using your IDBI Bank Euphoria World Credit Card within the initial 60 days.. |
|
Reward points |
6 delight point for each Rs.100 spend on travel Earn 3 reward points for every Rs. 100 on other categories |
|
Renewal Benefit |
Avail 2,000 Delight Points every year when you pay your annual fee. |
|
Fuel surcharge waiver |
Cardholders can enjoy fuel surcharge waiver of 2.5% (Maximum – up to Rs.500) when they spend an amount ranging from Rs.400 to Rs.5,000 on fuel every month. |
|
Insurance Coverage |
Feel protected while traveling because IDBI Bank Euphoria World Credit Card offers Rs.25 Lakhs worth Air Travel Accident insurance coverage to all its customers. |
To apply for a Euphoria world card, you have to pay fees and charges applied by the IDBI Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from IDBI Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
|
Fee for joining |
Rs.1,499 |
|
Annual fee for the main card (this fee has to be paid from the 2nd year) |
Rs.1,499 |
|
Annual fee for the add-on card |
No charge |
|
Fee for card renewal |
No charge |
|
Interest charged on the revolving credit facility |
2.90% per month |
|
Renewal fee for the add-on card |
No charge |
|
Interest charged on cash advance |
2.90% per month |
|
Fee for cash advance transaction |
2.5% of the transaction fee (Minimum – Rs.300) |
|
Overlimit charge |
2.5% of the overlimit amount (Minimum – Rs.500) |
|
Fee for late payment |
If the amount is below Rs.100, then no charge. If the amount is between Rs.100 and Rs.500, then Rs.100 will be charged. If the amount is between Rs.501 and Rs.5,000, then Rs.400 will be charged. If the amount is between Rs.5,001 and Rs.20,000, then Rs.500 will be charged. If the amount is Rs.20,001 and above, then Rs.700 will be charged. |
|
Fee for Auto Debit Return |
Rs.225 |
|
Cheque Return fee |
Rs.225 |
|
Card replacement fee |
Rs.200 |
|
Processing fee for outstation cheque |
If the value of cheque is up to Rs.5,000, then Rs.25 will be charged. If the value of cheque is more than Rs.5,000, then Rs.50 will be charged. |
|
Fee for duplicate statement |
Rs.100 |
|
Cash processing fee |
Rs.100 |
|
Limit enhancement |
Rs.100 |
|
Fee for Charge slip or Charge back |
Rs.125 |
|
Fee for Reward Redemption |
Rs.99 |
|
Transactions made in Foreign Currency |
Mark-up – 3.5% of the transaction amount |
|
Charge for Account Closure |
No charge |
|
Fee for Balance Transfer |
Processing charge – 1.5% of the transferred amount (Minimum – Rs.199) For EMI – Normal interest rate will apply |
Before applying for a euphoria world card from IDBI Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
|
ELIGIBLE |
Salaried and Self employed |
|
AGE |
For salaried = 18 to 60 years For self employed = 18 to 65 years |
|
RESIDENT TYPE |
Indian resident |
Any applicant who is applying for a euphoria world credit card from IDBI Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card. There are certain criteria that the financial institution looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
IDBI Bank Credit Card Login
Cardholders of RBL Bank Credit Card can log in to their credit card account through following steps :
1. Go to IDBI Net banking portal
2. On the next webpage, you enter the User ID, password, and select the Start page.
3. Click on ‘Login’.
4. The next web-page will have all the rules and regulations and the terms and conditions. Click on ‘Agree’ After you have read all the details.
5. The next web-page will be the main page of your net banking portal.
4. IDBI Bank Loan Against Property
IDBI Bank Euphoria World Card Customer Care
Contact number : 18002094324 / 18004257600
Email Id : customercare@idbi.co.in
There are two reason to apply for IDBI Bank Euphoria World Card :
1. Offline Method : By visiting the nearest branch of RBL Bank
2. Online Method : For New Customers
You can visit the ‘Euphoria World Cards’ page of the IDBI Bank official website.
Enter your personal and contact details.
After the verification, a representative from the bank will get in touch with and ask to guide you through the process.
You may have to submit KYC documents and income proof to get an IDBI Bank credit card.
Online Method : For Existing Customers
Visit the ‘Euphoria World Cards’ page of the IDBI Bank official website
You will have to enter your net banking customer id and mobile number.
You can directly apply online for a credit card.
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. To pay your credit card bills through net banking, you will need to register your credit card before making any payments. Without registering the credit card, the bill amount cannot be paid.
1. Log in to your IDBI Bank account or your savings bank net banking account.
2. If you hold an IDBI Bank account, you will have to select the 'credit card' tab and click on your registered credit card.
3. Add the bill amount and click on the 'pay' option.
4. If you do not hold an IDBI Bank account, log in to your savings bank net banking account and click on the credit card tab.
5. Select the 'payment' option.
6. Add the bill amount and click on 'pay'.
Bank offered Financials products
The IDBI Bank Euphoria World Credit Card helps in experiencing travel in the most enjoyable, secure, and convenient manner. The card offers amazing privileges and rewards that are highly beneficial for cardholders. A cardholder can enjoy 6 Delight Points for each expense of Rs 100 on travel.
You can contact through customer care toll free number and also through e-mail id for an IDBI Bank Euphoria World Card.
The rewards points given in the euphoria world Card from IDBI Bank is :
6 delight point for each Rs.100 spend on travel
You can apply for a IDBI Bank Euphoria World Card through online and offline by visiting the nearest bank branch.
Travel rewards are included in the IDBI Bank Euphoria World card.
The minimum age is 18 years and maximum age is 60 years for salaried and upto 65 years for self employed to get a IDBI Bank Euphoria World Card.
The interest rate is 2.90% per month provided by IDBI Bank Euphoria World Cards.
The joining perks of IDBI Bank Royale Signature Card is you get 4000 bonus Delight points on spending Rs.1500 or more in the first 60 days of receiving your card.
The annual fee of the IDBI Bank Euphoria World Card is Rs.1499.
Last Updated on : 28/Sep/2020Know More About CREDIT CARDS
You're eligible for a Idbi Bank Euphoria World if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account