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.
IDBI offers a card that’s better than the best! With the Royale Signature Credit Card, you can relish all the luxuries that match your lifestyle, preferences and stature. Your credit card can accompany you wherever you go, in India and abroad, bringing you unparalleled privileges and best services. With the IDBI Royale Signature Credit Card, you’re guaranteed peace of mind with enhanced security features like the EMV chip and PIN.
1. Air Travel Accident Insurance Cover for a value of 25 lakhs is provided.
2. Complimentary Visa Airport Lounge Access.
3. Zero Lost Card Liability is offered in case of theft or loss of card.
4. Interest Free Credit
5. Fuel Surcharge Waiver of 2.5%
6. The IDBI credit card is accepted at more than 9 lakh merchants in India and more than 29 million merchant outlets all over the world.
7. Earn 3 delight points for every Rs.100 spent
8. A credit card welcome E-kit is given to IDBI royale signature credit card holders
|
Reward type |
Shopping, travelling. Dining and entertainment |
|
Welcome Benefits |
Earn 750 reward points when you use your card within 30 days of card issuance. Or you can earn 400 points when you use your card between 31 and 90 days. Transactions should be of a minimum value of Rs.1500. |
|
Reward points |
Enjoy amazing rewards for purchases done using the IDBI Royale Signature Credit Card under the IDBI Delights program. Earn 3 Delight points for every 100 spent. |
|
Airport lounge access |
A special offer brought to you by VISA when you fly on any airline or on any class, you can enjoy access into select airport lounges. Enjoy the luxury while you rest, freshen up and use other facilities of the lounges. |
|
Fuel surcharge waiver |
For fuel transactions of Rs. 400 to Rs. 5,000, get a 2.5% fuel surcharge waiver at any fuel stations. |
|
Travel Accident Insurance |
Your Royale Signature Credit Card carries a free insurance cover of Rs. 25 lakhs against air travel accidents. |
|
VISA offers |
As a VISA signature cardholder, you are entitled to exclusive offers provided by VISA. The offers expand over airport shopping, car rentals, hotels, and travel concierge services. |
To apply for a royale signature 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 |
|
Joining Fee |
Nil |
|
Annual Fee |
Rs.1,499 |
|
Supplementary Card |
Nil |
|
Interest on revolving credit |
2.5% per month |
|
Interest on cash advance |
2.5% |
|
Cash advance transaction charge |
2.5% of transaction amount, subject to a minimum of Rs. 300. |
|
Late payment charges |
Up to Rs 99 = NIL Rs.100 - Rs.500 = Rs.100 Rs.501 - Rs.5000 = Rs.400 Rs.5001 - Rs 20000 = Rs.500 Above Rs.20000 = Rs.750 |
|
Reward redemption |
Rs.99 |
|
Overlimit |
2.5% of the overlimit amount, or a minimum of Rs. 500 |
|
Cheque return |
Rs.255 |
|
Auto-Debit return charge |
Rs.255 |
|
Cash payment at bank branch |
Rs.100 |
|
Outstation cheque processing charge |
Rs. 25 for cheques up to Rs.5000. Rs. 50 for cheques above Rs.5000. |
|
Card replacement |
Rs.200 |
|
Charge Slip request |
Rs.125 |
|
Duplicate statement |
Rs.100 |
|
Foreign currency transactions |
3.5% conversion mark up |
|
Limit Enhancement |
Rs.100 |
Before applying for a royale signature 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 royale signature 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 Royale Signature Card Customer Care
Contact number : 18002094324 / 18004257600
Email Id : customercare@idbi.co.in
There are two reason to apply for IDBI Bank Royale Signature Card :
1. Offline Method : By visiting the nearest branch of RBL Bank
2. Online Method : For New Customers
You can visit the ‘Royale signature Credit 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 ‘Royale signature Credit 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
IDBI offers a card that’s better than the best! With the Royale Signature Credit Card, you can relish all the luxuries that match your lifestyle, preferences and stature. Your credit card can accompany you wherever you go, in India and abroad, bringing you unparalleled privileges and best services
You can contact through customer care toll free number and also through e-mail id for an IDBI Bank Royale Signature Card.
The rewards points given in the royale signature Card from IDBI Bank is :
Enjoy amazing rewards for purchases done using the IDBI Royale Signature Credit Card under the IDBI Delights program.
Earn 3 Delight points for every 100 spent.
You can apply for a IDBI Bank Royale Signature Card through online and offline by visiting the nearest bank branch.
Travel, shopping, dining and entertainment rewards are included in the IDBI Bank Royale Signature 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 Royale Signature Card.
The interest rate is 2.5% per month provided by IDBI Bank Royale Signature Cards.
The joining perks of IDBI Bank Royale Signature Card is a credit card welcome E-kit is given to IDBI royale signature credit card holders
The annual fee of the IDBI Bank Royale Signature Card is Rs.1499.
Last Updated on : 28/Sep/2020Know More About CREDIT CARDS
You're eligible for a Idbi Bank Royale Signature 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