IDBI Winnings RuPay Select Credit Card Review
Rewards card with lounge access
The IDBI Winnings RuPay Select has a ₹899 annual fee + GST, waived on ₹90,000 annual spend. It earns 0.5% back on regular spends, with 8 domestic + 4 international airport lounge visits a year. Best for: budget travellers wanting low-cost lounge access — our verdict: recommended.
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The IDBI Winnings RuPay Select packs 8 domestic and 4 international lounge visits and a Rs 10 lakh accident cover into a low Rs 899 fee waived at just Rs 90,000 spend. The Rs 0.25 point value and 3.5% forex markup mean its strength is lounge value for money rather than reward earning.
Rewards card with lounge access
The Bottom Line
The IDBI Winnings RuPay Select is built for value lounge seeker and light annual spender. With a ₹899 annual fee that is waived on ₹90,000 yearly spend, it offers 1% rewards on other and a welcome benefit worth ₹500. It makes the most sense if your spending matches value lounge seeker and light annual spender.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Value Lounge Seeker, Light Annual Spender. The renewal fee gets easier to justify once you can hit ₹90,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers wanting 8 domestic and 4 international lounge visits for a low Rs 899 fee that is easily waived at Rs 90,000 spend
Moderate spenders who can clear the low Rs 90,000 waiver threshold to make the card effectively free
Probably not for
SkipFrequent overseas users, given the 3.5% forex markup and RuPay's narrower global acceptance
Those chasing high returns, since the effective base rate is around 0.5%
Is It Worth It For You?
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Reward Rates
IDBI Winnings RuPay Select offers 0.5% basic reward rate.
Quick Calculator
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Welcome Offer
Welcome benefit of flat 10% cashback on all transactions of minimum value Rs.500 made within 90 days of card receipt, capped at Rs.500 total cashback.
Fees & Charges
Eligibility
- Min Credit Score: 750
- Indian residents aged 21–65; no stated minimum income; renewal fee waived on annual spend of ₹90,000; RuPay Select network.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹899 annual fee. Apply on the IDBI Bank website.
Apply on IDBI Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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