IDBI Euphoria Credit Card
IDBI About This Card
The IDBI Euphoria World Credit Card stands out with unlimited domestic lounge access and 6% rewards on travel. The 3% base reward rate across all categories is competitive. No joining fee with Rs 1,499 renewal waivable at Rs 1.5L spend. A hidden gem for domestic travellers.
Pros & Cons
Pros
- Unlimited domestic lounge access is rare at this price
- 6% rewards on travel spends is competitive
- 3% base reward rate is above average
- No joining fee
Cons
- Rs 1,499 renewal fee (waivable at Rs 1.5L)
- No international lounge access
- IDBI Bank's limited branch/digital presence
- 3.5% forex markup
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 6 Delight Points per Rs 100 on travel spends (6% back)
- 3 Delight Points per Rs 100 on all other spends (3% back)
- Unlimited domestic airport lounge access
- Rs 25 lakh air travel accident insurance
- Interest-free credit up to 48 days
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