Reasons To Choose An IDBI Bank Credit Card

The most basic thing that a credit card provides to customers is the Buy Now, Pay Later option. This feature allows customers to purchase something with their credit cards and pay the amount later on or before the due date. Since there are several banks that provide credit cards to customers, people often find it hard to choose the suitable option. IDBI Bank is one of the leading private banks of India that offers a wide range of credit cards to customers across different categories. People from different economic backgrounds can easily opt for an IDBI Bank Credit Card.

In this article, we will tell you about one such credit card is the IDBI Winnings Credit Card with which you can enjoy a range of excellent benefits. Loaded with features like Reward Points Program, Nil Joining Fee, 48-days interest-free period, etc make this card one of the most popular options among customers. So, if you are looking to opt for a credit card from IDBI Bank and confused about which card to take, this could be a good read for you. Keep reading!

Features of IDBI Bank Credit Card that you Should Know

We are showing some of the prominent features that individuals should know. Please have a look!

Earning While Spendings

• With your IDBI Bank Credit Card, you will always be able to earn something extra on your spendings. How? Well, every time you spend INR 100 with your card, you will earn 2 Delight Points. So, if you spend INR 1,000 on something, you will earn 20 Delight Points.

• You can get a wide range of offers from top brands when you redeem your Delight Points.

• IDBI Bank also provides Welcome Benefits with which customers can get flat 10% cashback on all transactions that you make with a minimum value of INR 500 done within 90 days when you issue your card. So, if you make a transaction of INR 400, you will get a cashback of INR 40 with your card. Any transaction of above INR 500 will not be eligible.

• If you like to spend heavily with your card, you can also get extra Delight Points. You must be asking how? Well, you only need to make 5 transactions of INR 1,000 per month with which you can earn 500 extra Delight Points.

• On your birthday month, your IDBI Bank Credit Card gives you something special. On every spendings you make, you will Double Delights.

• All your family members who are above 18 years of age can get an additional Winning RuPay credit card without paying any additional fees.

• If you manage to spend INR 90,000 within an year, you can get your annual fee waived off which can be an excellent benefit for you.

• Any transaction of INR 3,000 or above can be converted into easy monthly installments for a tenure of 3/6/9/12 months. The interest rate will be 13% per annum. The best thing is customers don’t need to pay any processing or Foreclosure fees.

Joining and Annual Fees

Customers don’t need to pay any joining fee for IDBI Bank Credit Card. But from the second year onwards, you will need to pay INR 899 plus applicable GST. For add-on cards, you don’t need to pay any joining or annual fee.