IDBI Bank Winnings RuPay Select Credit Card – How to Apply?

If you want a credit card that allows you to make smart purchases and earn rewards when you spend, look no further.


IDBI Bank offers a range of promising credit cards that help you get the best out of your everyday life. For your personal and business needs, getting a Winnings RuPay Select Credit Card will help you stay one step ahead in life.

Find out how you can order your own IDBI Bank credit card today.

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IDBI Bank Credit Card Features and Benefits

To better understand the features and benefits of an IDBI Bank credit card, let’s take a closer look at the IDBI Bank Winnings RuPay Select Credit Card.

For every 100 spent on your card, you can earn 2 Delight Points! As a welcome benefit, you can also get 10% cashback on all transactions with a minimum value of Rs. 500/- within 90 days of your card receipt. In addition, you can earn an increased 500 Delight Points with 5 transactions worth Rs. 1,000 each per month. As a token of your loyalty, you will get double Delight Points during your birthday month!


These Delight Points can be redeemed for a variety of gifts and irresistible offers from globally renowned brands. From dining, lifestyle, travel, shopping, and everything else in between, these points can surely shave off some expenses, giving you bang for your buck.

If you are seasoned traveller, you know how bad the traffic can be at the check-in counter and in the terminal itself. To save you from the hassle of waiting, request an IDBI Bank Winnings RuPay Select Credit Card. This will give you access to airport lounges throughout India and around the world.

How to Apply for an IDBI Bank Credit Card

Applying for an IDBI Bank Winnings RuPay Select Credit Card is easy. Simply fill out the form found on the IDBI Bank website and a bank representative will call you to confirm your application submission.

Some of the supporting documents you will need to prepare include the following.

  • ID Proof: Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card
  • Residence Proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
  • Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Latest IT Return//Form 16
  • Recent Photograph

To apply, you should be between 21 to 60 years old and a resident of India. Supplementary cardholders should be at least 18 years old.

If approved, the bank will determine your credit limit based on your financial standing. This may be anywhere from Rs. 10,000 to Rs. 100,000.

IDBI Bank Credit Card Fees and Charges

Owning an IDBI Bank Winnings RuPay Select Credit Card comes with a lot of responsibility. As a primary cardholder, you are not required to pay a joining fee, but there is an annual fee of Rs. 899. However, supplementary cards are free of charge.

Other charges you need to consider include the monthly interest on revolving credit at 3.4%, the cash advance transaction fee of 2.5% or a minimum of Rs. 500 (whichever is higher), and the late payment fee ranging from Rs. 400 to Rs. 950.

There is a 3.4% cash advance interest rate, as well as an over limit charge of 2.5%, a cash processing charge of Rs. 200, and a card replacement fee of Rs. 200. For foreign currency trasnactions, you will face a bank charges cross currency mark up of 3.5%.

Balance transfer charges are set at 1.5% of the transfer amount or Rs.199 (whichever is higher).

Bank Contact Info and Address

You can contact IDBI Bank by calling their toll free numbers:1800-209-4324 OR 1800-22-1070.

Their head office address is IDBI Bank Ltd., IDBI Tower, WTC Complex, Cuffe Parade, Colaba, Mumbai 400005.


Overall, owning an IDBI Bank Credit Card, particularly the Winnings RuPay Select, will allow you to earn rewards points and enjoy perks and privileges that will have you feeling like a winner in no time! Apply now for this credit card now!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.