IDBI Bank Royale Signature Credit Card: Features

Summary

Briefly, the IDBI Bank Royale Signature Credit Card is a premium credit card with several advantages meant for people who want more from their lifestyle of spending. Firstly, the card welcomes new clients with fantastic reward points, which are obtainable for the acquisition through shopping. These reward points, however, go by the name Delight Points and keep accumulating on each transaction so that card members can exchange them for gifts and vouchers of multiple kinds.

Additionally, the card rewards well about travel, offering free visits to local airport lounges, making it a great pick for regular fliers. Moreover, the card features a fuel surcharge rebate, which saves cardholders on fuel buys in petrol or diesel fuel every year. These features are designed to add value to your lifestyle and reduce your overall cost.

Further, the card provides additional security features like zero liability for lost cards and EMV chip technology to make your transactions safe and secure. Contactless payment facility also provides quick and hygienic payments, which come in handy in the fast-paced life of today.

Introduction

In the rapidly moving world of today, a credit card is not a luxury but an intelligent financial resource. Among the numerous credit cards in the market, one can single out the IDBI Bank Royale Signature Credit Card for its elitist features and unique advantages. As a frequent traveler, a shopaholic, or a foodie who loves to dine out, this credit card has something special to provide for all.

First of all, IDBI Bank has the reputation of providing banking services which are both safe and convenient. With Royale Signature Credit Card, the bank makes this guarantee even better by providing cardholders with many privileges according to their modern lifestyle. The card is particularly for those who are seeking luxury and convenience along with financial freedom.

One of the most important features of this credit card is its welcome rewards. As you apply and are approved for the IDBI Bank Royale Signature Credit Card, you get alluring rewards that enhance your first experience even further. Besides that, the card gives you reward points for all your spending, be it shopping online or bill payments for groceries. With time, these points can be exchanged for other products, vouchers, or services, thus proving to be a value-loaded proposition.

Furthermore, the card also includes free airport lounge access, which is a big advantage for frequent travelers. It lets you experience serene and relaxing waiting times at participating domestic and international lounges. Besides this, there are fuel surcharge exemptions, dining savings, and entertainment promotions that enable you to save even more in your everyday life.

What is the IDBI Bank Royale Signature Credit Card?

The IDBI Bank Royale Signature Credit Card is a premium credit card offered by IDBI Bank, exclusively for those customers who want luxury, ease, and more rewards. Simply put, this card gives you various advantages like reward points, travel privileges, dining deals, and more – all on one card. Not only does it help you manage your daily expenses, but it also infuses comfort and worth into your life.

In addition, this credit card is suitable for travel, dining, or shopping lovers. With other features including free access to airport lounges and elimination of fuel surcharge charges, it will assist you in saving while enjoying first-class services simultaneously. You also receive reward points per transaction that you can exchange for gifts, vouchers, or services later.

How is the design of the IDBI Bank Royale Signature Credit Card?

The IDBI Bank Royale Signature Credit Card is sophisticated and professional-looking, hence perfect for those who would like to have some beauty on their wallet. First, the card is available in an everlasting black color with a smooth, glossy finish that makes it look glamorous. The “Royale Signature” name is inscribed on the front, along with the IDBI Bank logo, which further elevates its sophisticated appeal.

Moreover, the card is light and thin, and this allows it to be carried and used conveniently. The position of the chip and contactless indicator is perfectly placed, and this makes transactions easier as well as secure. Moreover, the design in general is neat and straightforward, and this gives the card a classy and modern appearance.

What are the benefits of the IDBI Bank Royale Signature Credit Card?

Its major features are as follows:

Welcome Benefits

• 750 Delight Points on first-time usage within 30 days of card issuance.

• 400 Delight Points in case of the first-time usage between 31 to 90 days.

• A minimum spend of ₹1,500 is needed to get such welcome points.

Reward Program

• 3 Delight Points per ₹100 on other spends like shopping, dining, and travel.

• Points earned can be exchanged for a range of rewards, including merchandise, vouchers, or cashback.

Travel and Lifestyle Privileges

• Airport Lounge Access: Benefit from 1 free domestic lounge access per calendar quarter at India network lounges.

• Air Travel Accident Insurance: Get free ₹25 lakh air travel accident insurance.

Fuel Surcharge Waiver

• Get a 1% surcharge waiver on fuel surcharge spends ranging from ₹400 to ₹5,000 at all fuel pumps.

• Maximum waiver of ₹500 per month.

Security and Convenience

• Zero Lost Card Liability: In the event of loss or theft of the card, report it immediately to escape unauthorized transaction liability.

• EMV Chip & PIN Enabled: Advanced security features safeguard you against fraud.

Financial Flexibility

• Interest-Free Credit: Get up to 48 days of interest-free credit on purchases, so you remain master of your finances.

• Global Acceptance: Pay at more than 9 lakh merchants in India and more than 29 million merchants across the world with your card.

Add-On Cards

• You may receive a maximum of 2 add-on cards for your relatives above the age of 18 years, and they too may avail themselves of the same facilities.

What are the fees for the IDBI Bank Royale Signature Credit Card?

Here is a simple breakdown of the  IDBI Bank Royale Signature Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 2.5% per month (30% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDBI Bank Royale Signature Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDBI Bank Royale Signature Credit Card?

The documents that you will have to submit to get the IDBI Bank Royale Signature Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDBI Bank Royale Signature Credit Card be used?

Here is the list of places where you can use it:

• With the IDBI Bank Royale Signature Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IDBI Bank Royale Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IDBI Bank Royale Signature Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDBI Bank Royale Signature Credit Card?

The credit amount you can spend is what you are provided to you with an IDBI Bank Royale Signature Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDBI Bank Royale Signature Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDBI Bank; for instance, you can choose the  IDBI Bank Royale Signature Credit Card.

• Just hover your cursor on the  IDBI Bank Royale Signature Credit Card and select ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDBI Bank branch to apply for the  IDBI Bank Royale Signature Credit Card.

• Request for the credit card application form of the  IDBI Bank Royale Signature Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IDBI Bank Royale Signature Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IDBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IDBI Bank Royale Signature Credit Card in 2025 be right?

Yes, getting an IDBI Bank Royale Signature Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In short, the IDBI Bank Royale Signature Credit Card is a mix of luxury, convenience, and financial rewards. It has been crafted for people who demand more from their day-to-day expenses. If you are a travel junkie, shopaholic, foodie, or wish to have a card that rewards your regular spending, then this credit card is tailored for you.

Firstly, the welcome rewards provide you with an excellent start by providing reward points after your initial usage. Then, as you keep using the card, you receive Delight Points on every transaction that can be used afterwards to avail thrilling gifts, vouchers, and a lot more. Moreover, you are given access to airport lounges, which is a very good advantage for frequent flyers. You are free to relax and rejuvenate while waiting for the flight at no extracharges.

In addition, waiver of fuel surcharge, EMI facility, and nil liability if the card is lost make this card more convenient in real situations. These facilities not only spare you some money but also give you a sense of calm. Not to mention the added layer of security and convenience of contactless payment, especially in today’s digital era.

Frequently Asked Questions (FAQ’s)