IDBI Royale Signature Credit Card: Fees, Rewards & Benefits
Rewards card with lounge access
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The IDBI Royale Signature is a free Visa card with a flat 3 Delight Points per Rs 100 (about 0.75% value), 4 domestic lounge visits and a Rs 25 lakh air accident cover. Lacking accelerated categories, milestones and international perks, it is a respectable no-cost everyday card rather than a high-reward option.
Rewards card with lounge access
The Bottom Line
The IDBI Royale Signature is built for no-fee lounge user and everyday spender. With no annual fee, it offers 750 bonus points and a welcome benefit worth ₹187. It makes the most sense if your spending matches no-fee lounge user and everyday spender.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with No-Fee Lounge User, Everyday Spender.
Who Should Get This Card
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Best fit for
IdealUsers wanting a genuinely free card that still offers 4 domestic lounge visits and a Rs 25 lakh air accident cover
Those wanting a flat 3 points per Rs 100 on all spends with a fuel surcharge waiver and no annual cost
Probably not for
SkipOverseas spenders, given the 3.5% forex markup and no international lounge access
Those seeking accelerated categories or milestone bonuses, neither of which this card offers
Is It Worth It For You?
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Reward Rates
IDBI Royale Signature offers 0.75% basic reward rate.
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Welcome Offer
750 Delight Points on first card usage (single transaction of minimum Rs. 1,500) within 30 days of issuance, OR 400 Delight Points if first usage is between 31 and 90 days of issuance.
Fees & Charges
Eligibility
- Min Credit Score: 750
- Indian residents aged 21–60 (65 for self-employed); no stated minimum income; good CIBIL score required; lifetime free Visa card.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Exempted from Delight Points accrual. Cash advance fee of 2.5% (minimum Rs. 500) applies.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDBI Bank website.
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