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Features of the IDBI Bank Royale Signature Credit Card

  • Premium Card Design and Security-EMV Chip and PIN Technology: The IDBI Bank Royale Signature Credit Card is equipped with EMV Chip and PIN technology, ensuring enhanced security for transactions. This feature protects against skimming and unauthorized use, making it safe for both online and offline purchases. The chip generates a unique transaction code for each purchase, adding an extra layer of protection.
  • Contactless Payment Capability: The card supports contactless payments, allowing users to make quick and secure transactions by simply tapping the card at compatible POS terminals. For transactions up to Rs. 5,000, no PIN is required, streamlining the payment process for small purchases like coffee, groceries, or transit fares.
  • Global Acceptance: As a VISA Signature card, it is accepted worldwide at millions of merchants and ATMs. Whether you're shopping locally or traveling internationally, the card ensures seamless transactions across various currencies, making it a versatile tool for global travelers and shoppers.
  • Reward Program Structure-Delight Points Accumulation: The card offers a robust reward program where cardholders earn 3 Delight Points for every Rs. 100 spent on retail transactions. This includes categories like dining, shopping, travel, and entertainment, ensuring that everyday spending is rewarded generously. Certain transactions, such as fuel purchases or cash withdrawals, may be exempt from earning points, so it’s advisable to check the terms for exclusions.
Bank of Baroda Premier Credit Card
    • Welcome Bonus Points: New cardholders are greeted with a welcome bonus of 750 Delight Points if they make a transaction of at least Rs. 1,500 within 30 days of card issuance. Alternatively, 400 Delight Points are awarded for a similar transaction made between 31 and 90 days. This incentivizes early use of the card and provides an immediate reward boost.
    • Add-On Card Reward Integration: The card allows up to two add-on cards for family members above 18 years, and the Delight Points earned on these cards are consolidated with the primary cardholder’s account. This feature simplifies reward tracking and enhances the overall earning potential for families who share the card’s benefits.
    • Flexible Credit and Payment Options-Interest-Free Credit Period: Cardholders enjoy an interest-free credit period of up to 48 days on purchases, provided the outstanding balance is paid in full by the due date. This feature allows users to manage cash flow effectively, making it ideal for planned purchases or emergency expenses.
    • Auto-Debit Facility: To ensure timely payments, the card offers an auto-debit option, where the outstanding balance or minimum amount due is automatically deducted from the cardholder’s IDBI Bank savings or current account. This eliminates the risk of missing payment deadlines and incurring late fees.
    • EMI Conversion Options:
      For large purchases, the card provides the flexibility to convert transactions into Equated Monthly Installments (EMIs). This feature is particularly useful for expensive items like electronics or travel bookings, allowing cardholders to spread payments over a convenient tenure.
    • Travel and Lifestyle Perks:
    • Complimentary Lounge Access: One complimentary lounge visit per calendar quarter at participating domestic airport lounges in India. This feature provides a comfortable space to relax, work, or enjoy refreshments, enhancing the travel experience regardless of the airline or class of travel.
    • VISA Signature Privileges: Unlocks exclusive offers on airport shopping, hotel bookings, car rentals, and travel concierge services. These benefits are subject to VISA’s discretion and may vary, but they add significant value for frequent travelers seeking premium services.
    • Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India, with a maximum waiver of Rs. 500 per month. Ideal for frequent drivers, this benefit offers savings on fuel expenses.
    • Insurance and Protection Features:
    • Air Travel Accident Insurance: Complimentary coverage of up to Rs. 25 lakhs, providing peace of mind for frequent flyers. To be eligible, the card must have been used for at least two transactions (ATM, POS, or e-commerce) in the three months preceding the incident.
    • Zero Loss Liability: In case of a lost or stolen card, cardholders are protected against fraudulent transactions up to Rs. 5,00,000, provided the loss is reported within 48 hours. This ensures financial security and minimizes liability for unauthorized charges.
    • Digital and Customer Support Features:
    • Welcome e-Kit: As part of IDBI Bank’s Go Green initiative, cardholders receive a digitized Welcome e-Kit in PDF format. This includes card usage instructions, the cardholder agreement, and the Most Important Terms & Conditions (MITC).
    • 24/7 Customer Support: The card is backed by round-the-clock customer care services, accessible via toll-free number 8885545255. This ensures prompt assistance for queries, disputes, or issues related to the card.
    • Online Banking Integration: Cardholders can manage their card through IDBI Bank’s net banking platform, enabling easy tracking of transactions, bill payments, and reward redemption. This digital integration enhances convenience and control over card usage.
Premier Card Benefits

Benefits of the IDBI Bank Royale Signature Credit Card

  • Cost-Effective Fee Structure: The card is currently offered with no joining fees, making it an attractive option for new cardholders looking to access premium benefits without an upfront cost. The annual fee, if applicable, is competitive, and the potential rewards and savings often outweigh the cost.
  • High Reward Value: With 3 Delight Points per Rs. 100 spent, the card offers a strong reward rate compared to many entry-level and mid-tier credit cards. These points can be redeemed as cashback into the card account, providing tangible financial value. The validity of Delight Points for up to three years ensures cardholders have ample time to accumulate and redeem rewards.
  • Fuel Surcharge Savings: The 1% fuel surcharge waiver, capped at Rs. 500 per month, translates to significant savings for frequent drivers. For example, a monthly fuel spend of Rs. 50,000 could yield the maximum waiver, reducing overall fuel expenses.
    • Enhanced Travel Experience:
    • Lounge Access for Comfort: Enjoy complimentary airport lounge access every quarter through the Visa Signature network — ideal for business or leisure travelers seeking comfort and convenience during layovers.
    • Travel Concierge Services: Access Visa Signature’s global concierge for hotel bookings, car rentals, flight assistance, and itinerary planning.
    • Air Travel Accident Insurance: Includes ₹25 lakh coverage for air travel-related incidents, offering financial protection to the nominee in case of an accident.
    • Lifestyle and Convenience Benefits:
    • Add-On Card Flexibility: Get up to two add-on cards for immediate family members, consolidating rewards while maintaining centralized control.
    • Contactless Payment Efficiency: Tap-and-pay functionality enables faster, secure transactions, ideal for quick purchases like groceries, fuel, or meals.
    • Flexible Payment Options: Up to 48 days of interest-free credit and EMI conversion options for large purchases help manage monthly budgets effectively.
    • Security and Peace of Mind:
    • Fraud Protection: Zero-liability cover for fraudulent transactions reported within 48 hours of card loss/theft, ensuring minimal financial risk.
    • EMV Chip Security: Embedded chip technology enhances protection against counterfeit and skimming frauds.
    • Comprehensive Customer Support: 24×7 assistance via phone, email, or at any IDBI Bank branch for billing disputes, lost cards, reward redemption, and other support needs.
    • Digital Management Tools: Monitor card activity, set transaction limits, make payments, and track rewards through IDBI Bank’s net banking and mobile banking platforms.
    • Exclusive Visa Signature Privileges:
    • Global Discounts and Privileges: Enjoy international and domestic discounts on dining, travel, shopping, and entertainment through Visa’s global offers.
    • Customizable Benefits: Offers evolve with market trends, ensuring updated lifestyle benefits, merchant tie-ups, and seasonal rewards.
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How to Apply for the IDBI Bank Royale Signature Credit Card

  • Required Documents:
    • Identity Proof: Aadhaar, PAN, Passport, Voter ID, or Driving License.
    • Address Proof: Electricity/telephone bill, Aadhaar card, passport, or registered rental agreement.
    • Photograph: One recent passport-sized photo (primary and add-on applicants).
  • Online Application via IDBI Website:
    • Visit www.idbibank.in and go to the Credit Cards section.
    • Select the Royale Signature Credit Card and click ‘Apply Now’.
    • Enter personal, employment, and financial details.
    • Upload scanned documents and a passport-size photo.
    • Submit and note your reference number for future tracking.
  • Offline Application via Branch:
    • Visit your nearest IDBI Bank branch and request the Royale Signature Credit Card form.
    • Fill in all details and attach self-attested copies of the required documents.
    • Submit the completed application to the bank executive for processing.
  • Phone Banking Application:
    • Call customer care at 8885545255 (24×7).
    • Request to apply for the Royale Signature Credit Card.
  • Application Status Tracking:
    • Track online via net banking using your application ID or reference number.
    • Alternatively, call customer care or visit a branch to check your status.
  • Bill Payment Options:
    • Online: Net banking, NEFT, Visa Money Transfer, or iPay platform.
    • Offline: Cash, cheque, or demand draft at any IDBI Bank branch.
    • Auto-Debit: Set up auto-pay from your IDBI savings/current account.
  • Post-Approval and Activation:
    • Upon approval, receive your card and welcome kit by post.
    • Activate it via net banking or by calling customer support.
    • Register for Verified by Visa to enable secure online transactions.

Eligibility Criteria for IDBI Bank Royale Signature Credit Card

  • Age Requirements:
    • Salaried Applicants: Must be between 21 and 60 years old.
    • Self-Employed Applicants: Must be between 21 and 65 years old.
    • Add-On Cardholders: Must be 18 years or older and must submit PAN card and KYC.
  • Residency Status:
    • Only Indian residents with a valid residential address are eligible.
    • Proof of residence (utility bill, Aadhaar, or rental agreement) is required.
    • NRIs are not eligible for this domestic-use credit card.
  • Income Stability:
    • No publicly disclosed minimum, but stable and consistent income is mandatory.
    • Salaried: Regular monthly income from a reputed employer is preferred.
    • Self-Employed: Consistent business/professional earnings must be demonstrated.
    • Bank statements, salary slips, or ITRs may be used to verify income reliability.
  • Employment Status:
    • Salaried: Stable job with recognized organization; longer tenure preferred.
    • Self-Employed: Must provide valid business/professional registration and earnings proof.
  • Creditworthiness:
    • Preferred credit score: 700–750 or higher.
    • Applicants with strong repayment history and no defaults are prioritized.
    • Low scores or frequent missed payments reduce approval chances significantly.
  • Minimum Usage Requirement for Benefits:
    • For ₹25 lakh air travel accident insurance, the card must be used at least twice in the last 3 months.
    • Applicable to ATM withdrawals, POS purchases, or online transactions.
  • Add-On Card Eligibility:
    • Up to 2 add-on cards allowed for family members aged 18 or older.
    • Add-on users get most of the card's benefits; however, lounge access may be limited to the primary cardholder.
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Documents Required for IDBI Bank Signature Credit Card

  • Identity Proof
    • Acceptable documents include Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
    • PAN Card is mandatory for linking financial transactions and tax records.
    • All documents must be current and self-attested.
    • Details may be verified with government databases for fraud prevention and KYC compliance.
  • Address Proof
    • Utility bills (electricity, water, gas) not older than 3 months.
    • Registered rental agreement or valid Aadhaar Card with address.
    • Passport with current address also accepted.
    • Self-attested copies must be submitted with the application form.
  • Income Proof
    • Salaried: Last 3 months’ salary slips, Form 16, or employment certificate with salary details.
    • Self-employed: Last 2 years’ ITRs with income computation and audited financial statements, if applicable.
    • Used to assess repayment capacity and credit limit eligibility.
  • Bank Statements
    • Last 3 to 6 months of bank statements from primary savings/current account.
    • Should show regular income credits and spending patterns.
    • Self-employed applicants may also need business account statements.
  • Application Form
    • Duly filled and signed application form with accurate personal, financial, and nominee details.
    • Can be submitted online via IDBI Bank website or physically at a branch.
    • Ensure all required fields are complete to avoid processing delays.
  • Photographs
    • Two recent passport-sized photographs with plain background.
    • Must comply with standard photo guidelines (e.g., no headgear unless religious).
  • Nominee Details
    • Nominee’s name, relationship, and contact details are required for insurance benefits.
    • If not included initially, a separate nominee form must be submitted later at an IDBI branch.
    • Essential for claiming ₹25 lakh air travel accident insurance within 180 days, if applicable.

Factors Affecting Eligibility for IDBI Bank Signature Credit Card

  • Credit Score and History
    • A credit score of 700–750 or higher significantly enhances approval chances.
    • Reports from CIBIL, Experian, or Equifax are reviewed to assess repayment history.
    • Timely payments, low credit utilization, and no defaults improve the credit profile.
    • Frequent late payments or high outstanding debts can lead to application rejection.
  • Debt-to-Income Ratio (DTI)
    • A DTI ratio below 40% is considered ideal for approval.
    • High loan EMIs or outstanding credit balances raise concerns of overextension.
    • Applicants with manageable debt levels are seen as lower risk for additional credit.
  • Number of Existing Credit Cards
    • Owning 7–8 or more credit cards can reduce the chances of approval.
    • Excessive cards may indicate over-reliance on credit or poor financial planning.
    • Fewer cards with a good usage and repayment history show responsible credit behavior.
  • Payment History
    • A clean record without late payments, loan defaults, or settlements is essential.
    • Negative remarks on your credit report can persist for years and impact future applications.
    • Consistent on-time repayments demonstrate financial discipline to the bank.
  • Employment and Income Stability
    • Salaried individuals with steady jobs in reputed organizations are preferred.
    • Self-employed professionals must show 2–3 years of steady business revenue.
    • Frequent job changes or fluctuating income can lead to application delays or denial.
  • Application Accuracy
    • All personal, financial, and KYC details must match supporting documents.
    • Discrepancies in submitted data (e.g., mismatched address) can lead to rejection.
    • Ensure completeness and correctness of every detail on the form to avoid delays.
  • Bank’s Internal Policies
    • IDBI Bank may apply additional internal approval filters not disclosed publicly.
    • Existing banking relationships (accounts, FDs, loans) may boost eligibility.
    • Applicants from specific cities, professions, or risk categories may be prioritized or filtered based on internal criteria.

Frequently Asked Questions (FAQs) – IDBI Bank Signature Credit Card

1. What are the key features of the IDBI Bank Signature Credit Card?
The card is a premium offering with benefits such as reward points on every spend, complimentary airport lounge access, fuel surcharge waiver, and exclusive discounts on dining, shopping, and travel.
2. What is the joining fee and annual fee?
The joining fee may be waived under special promotional offers. The annual fee varies and can also be waived based on annual spending thresholds. Refer to the latest fee structure from IDBI Bank.
3. What is the interest rate and finance charges?
Interest is typically charged at around 3.5% per month (approximately 42% per annum) on unpaid balances. Cash advances may incur higher interest rates and additional processing fees.
4. How can I redeem reward points?
Reward points can be redeemed for flight tickets, shopping vouchers, merchandise, or cashback through IDBI Bank’s rewards redemption portal, subject to applicable terms and conditions.
5. Does the card offer airport lounge access?
Yes, complimentary access is provided to domestic and international airport lounges. Free visits are limited per quarter or year depending on the variant.
6. Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is applicable at petrol pumps across India, subject to minimum transaction thresholds. Maximum waiver limits may apply per billing cycle.
7. What is the credit limit on this card?
Credit limit is determined based on the applicant’s income, credit history, and IDBI Bank’s internal credit policies. It generally starts from ₹50,000 and may go higher for eligible customers.
8. Are there any EMIs or installment options?
Yes, eligible high-value purchases can be converted into EMIs at select partner merchants or through the IDBI EMI conversion facility via net banking or customer care.
9. How do I check my balance and pay the bill?
You can check balances and pay bills via IDBI Bank’s Net Banking, Mobile App, or third-party payment platforms like Paytm or Google Pay. Payments can also be made via NEFT/RTGS or by visiting any IDBI Bank branch.
10. What is the customer care number for queries?
You can contact IDBI Bank’s toll-free number 8885545255 for all credit card-related queries and support.

List of IDBI Bank Signature Credit Card Branches in Andhra Pradesh

  • Tenali - Gandhi Road
  • Andhra Pradesh - Narasaraopet
  • Chilakaluripet - Main Road
  • Mangalagiri - Temple Road
  • Andhra Pradesh - Vijayawada
  • Vijayawada - Governorpet
  • Andhra Pradesh - Machilipatnam
  • Gudivada - Sobhana Complex
  • Nuzvid - Main Road
  • Kurnool - Park Road
  • Andhra Pradesh - Nandyal
  • Adoni - Main Road
  • Nellore - Trunk Road
  • Andhra Pradesh - Kavali
  • Gudur - G N T Road
  • Ongole - Kurnool Road
  • Andhra Pradesh - Chirala
  • Kanigiri - Main Street
  • Srikakulam - G T Road
  • Andhra Pradesh - Palasa