Benefits of the IDBI Bank Winnings RuPay Select Credit Card

• Welcome Cashback Offer: New cardholders receive a 10% cashback, up to ₹500, on all transactions made within 90 days of card issuance. This welcome benefit encourages early usage and provides immediate savings on initial spends.
• Complimentary Airport Lounge Access: The card offers eight complimentary domestic lounge visits per year (two per calendar quarter) and four international lounge visits per year (two per calendar half-year) at participating lounges. This perk elevates the travel experience with access to premium amenities like comfortable seating and gourmet dining.
• Fuel Surcharge Waiver: Cardholders benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station across India, with a maximum waiver of ₹400 per month. This feature helps reduce fuel expenses for frequent travelers.

How to Apply for the IDBI Bank Winnings RuPay Select Credit Card

• Online Application Process:
  • Visit IDBI Bank’s official website and go to the ‘Credit Cards’ section.
  • Select the Winnings RuPay Select Credit Card and click on ‘Apply Now.’
  • Fill in the online application form with accurate personal, financial, and employment details.
  • Upload scanned copies of the required documents (JPEG/PDF format, as specified).
  • Submit the form and note your application reference number for tracking.
  • The bank may contact you for verification or additional documents.
• Offline Application Process:
  • Visit the nearest IDBI Bank branch using the branch locator on their website.
  • Request a physical application form for the Winnings RuPay Select Credit Card.
  • Fill in all details manually and attach self-attested copies of identity, address, and income proof.
  • Submit the completed form to a bank representative. Carry originals for verification.
• Post-Application Process:
  • The bank reviews and verifies all submitted documents and checks the credit score.
  • Card issuance usually takes 7–10 working days, subject to verification.
  • Approved applicants receive the card at their registered address, along with a Welcome e-Kit.
• Tracking Application Status:
  • Use your application reference number to track status on the IDBI Bank website.
  • You can also call customer care at 8885545255.
• Card Activation:
  • Activate the card using IDBI’s mobile app, internet banking, or by calling customer care.
  • Set a secure PIN for ATM, POS, and online usage.
• Tips for a Successful Application:
  • Double-check the application form for errors before submission.
  • Ensure documents are valid, recent, and clearly scanned if applying online.
  • Maintain a strong credit profile by clearing any existing dues.
  • Respond promptly if the bank requests additional details or verification.

Eligibility Criteria for the IDBI Bank Winnings RuPay Select Credit Card

• Age Requirements:
  • Primary Cardholder: Must be between 21 and 60 years old. For self-employed applicants, the upper limit extends to 65 years.
  • Add-On Cardholders: Must be at least 18 years old. Suitable for spouses, children, or parents.
• Nationality and Residency:
  • Indian Residents: Must have a valid residential address within India.
  • NRIs: Eligible with additional documentation like NRE/NRO account details and valid passport with visa.
• Income and Employment:
  • Salaried Individuals: Should have a consistent income from a reputed employer. Minimum income requirement not publicly specified but typically moderate-to-high for premium cards.
  • Self-Employed Professionals: Should show stable business income for at least 2 years through valid documents like ITRs and financial statements.
  • Alternative Option: Applicants can apply against a Fixed Deposit with IDBI Bank if regular income criteria aren’t met.
• Creditworthiness:
  • Credit Score: A CIBIL or equivalent score of 750+ is generally expected to qualify.
  • Past Credit Behavior: Preference is given to applicants with no past defaults, late payments, or outstanding dues.
  • Low Credit Utilization: Keeping usage under 30% of the credit limit is viewed positively during evaluation.
• Banking Relationship:
  • Existing IDBI Bank customers with active accounts, FDs, or loans may benefit from relaxed documentation and faster approvals.
  • Applicants with good transactional history may receive pre-approved offers from the bank.
• Loan and Repayment History:
  • Applicants must not have any defaults or pending payments with IDBI Bank or other institutions.
• Documentation Accuracy:
  • All documents must be accurate, recent, and verifiable. Any mismatches may lead to delays or rejection.
• Add-On Cards:
  • Up to two add-on cards can be issued to eligible family members aged 18 or above, under the primary cardholder’s account.