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IDBI
Signature
•••• •••• •••• 0000
Royale Signature
VISAIDBI Bank • Visa• Signature
Annual Fee
Free
Base Reward Rate
0.75%
Foreign Tx Fee
3.5%
Tier
Signature
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
1 complimentary domestic airport lounge visit per CALENDAR QUARTER via Visa lounge program. No spend criteria — walk-in ready.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹4,410
Blended 0.71% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
IDBI Royale Signature Credit Card (Visa Signature). LIFETIME FREE: ₹0 joining / ₹0 annual / ₹0 renewal. Up to 2 add-on cards for family members 18+. 48-day interest-free period. Welcome benefit: 750 Delight Points on minimum ₹1,500 spend within first 30 days (OR 400 pts if spent in 31-90 days). Rewards: **3 Delight Points per ₹100 spent** (uniform base; no accelerator categories per official). Excluded categories: refer IDBI Delight portal. ₹0 point redemption fee. **Lounge access:** 1 complimentary domestic airport lounge visit per CALENDAR QUARTER via Visa lounge program. NO spend criteria — walk-in ready. **No international lounge access on this card.** Insurance: Air Travel Accident cover ₹25 Lakh. Zero liability on lost card after reporting. Fuel surcharge waiver: 1% on ₹400-5,000 txns, **maximum ₹500/month** (generous cap). Forex 3.5% (high — domestic-only card). APR 2.5%/month (30% p.a.). Cash advance: 2.5% or ₹500 min. Late fees ₹400 (₹500-5K bal), ₹500 (₹5-10K), more for higher. EMI option: 3/6/9/12 months @ 13% p.a., min ₹3,000 txn. Visa Signature merchant offers across travel/hotels/car rentals. Eligibility: 21-60 yrs (65 for self-employed), India resident. Add-ons 18+. Income not officially specified.