IDBI Euphoria World Credit Card: Features & Apply

Summary

Putting it all together, the IDBI Euphoria World Credit Card is a well-designed credit card with a good balance of luxury, reward, and financial convenience on a day-to-day basis. Right from the beginning, the members are greeted with a welcome reward of Delight Points, laying the ground for a fulfilling experience in the future. With every subsequent transaction that is done via the card, you earn reward points for every purchase, especially for travel expenditures like hotel bookings, flight tickets, and IRCTC bookings. The points so accumulated can be used to redeem gift vouchers, gift points, or cashback, giving your spending an actual value.

Apart from that, the card is loaded with luxurious lifestyle perks. For example, you are able to availed airport lounge privilege at no cost, something that regular travelers will surely value. And there’s more, the card provides up to ₹25 lakhs air accident insurance so that you can travel without any worries. The card also comes with a fuel surcharge waiver, interest-free credit of up to 48 days, and easy EMI facilities on large bills—making it a top choice for wise financial planning.

Besides, the card has a contemporary and secure design with EMV chip protection and contactless payments. You can also order add-on cards for your dependents and enjoy global acceptance at millions of merchants.

Introduction

Having a credit card these days is not just a luxury but a necessity. For purchases online, air tickets, restaurant meals, or for paying monthly bills, a credit card is a convenience, a means of security, and a reward. IDBI Euphoria World Credit Card is unique from all the other credit cards available in India because of its unique benefits and international-level features. It is particularly for individuals who enjoy a life of luxury and would like to get the best out of every purchase they make.

To begin with, the IDBI Euphoria World Credit Card offers high-value reward points on all shopping. These can be redeemed later to give you spine-tingling gifts, vouchers, and offers. This means the more you spend, the more rewards you get. Further, the card provides free lounge access at select airports, making it a perfect choice for frequent travelers. Besides this, cardholders are also provided with special lifestyle discounts and offers at special dining categories like shopping, well-being, and entertainment.

Along with this, IDBI Bank has taken added precautions to keep you secure and convenient. The Euphoria World Credit Card is equipped with EMV chip technology that gives you an additional layer of security to your transactions. Moreover, it is contactless payment-supported, and you can just tap and go for fast payments. This is especially convenient in the current contactless payment era where speed and hygiene are more critical than ever before.

Yet another major benefit is the interest-free credit limit of up to 48 days, which helps you plan your payments better and manage your cash flow well. And if you happen to be such a person who prefers keeping a balance, the bank facilitates easy EMI conversion on large purchases. It keeps you away from financial tension while enjoying your shopping.

What is the IDBI Euphoria World Credit Card?

The IDBI Euphoria World Credit Card is a luxurious credit card offered by IDBI Bank for those who value a stylish and convenient life. It’s not just designed to give you the authority to spend, but also to reward you every time you purchase something. First of all, this card rewards points for almost all your spending, which you can later redeem as rewards, vouchers, or discounts. Besides, it provides free access to airport lounges, which is perfect for frequent flyers who would like to relax before catching their flights.

Apart from this, the card also offers great discounts on dining, shopping, and entertainment. This makes you enjoy special treats while undertaking your recreational activities. The card further has safety features like an EMV chip and contactless payment technology, which makes it secure and quick to make your transaction.

How is the design of the IDBI Euphoria World Credit Card?

The IDBI Euphoria World Credit Card looks chic, trendy, and contemporary in appearance. Upon initial inspection, the card looks classy and upscale, which is a testament to the high-end features of the card. The card typically has a vibrant coloring with a glossy look that provides the card with a sophisticated appearance. Moreover, the term “Euphoria” is embossed in bold lettering, which provides the card with high visibility and prominence from other cards in your wallet.

Apart from this, the card is equipped with a built-in EMV chip for security purposes, which also contributes to its appearance. The touch icon on the front of the card indicates that it contains tap-and-pay functionality, thus being fashionable yet functional. On the rear side, the important information such as the CVV and customer care phone number istastefully arranged so that it will be within easy access.

What are the benefits of the IDBI Euphoria World Credit Card?

Here is a sneak peek into its main benefits:

Reward Points Program

• Welcome Bonus: Get 4,000 Delight Points on your first purchase of ₹1,500 and above within 60 days of card issue date.

• Recurring Rewards: Get 6 Delight Points for each ₹100 spent on travel-related expenses such as hotels, airlines, IRCTC, and bus reservations. In other categories, get 3 Delight Points for each ₹100 spent.

• Redemption Choices: Redeem accrued points against a variety of gifts, vouchers, or cash back.

Travel and Lifestyle Benefits

• Airport Lounge Visits: Avail unlimited complimentary access to a list of domestic airport lounges in Indian airports to enhance the experience of travelling.

• Air Travel Accident Insurance: Avail air travel accident insurance cover worth up to ₹25 lakhs for added security on your travels.

• Mastercard Privileges: Enjoy privileged benefits on car hire, hotel reservations, and shopping from Mastercard’s worldwide network.

Financial Freedom

• Interest-Free Credit Period: Enjoy up to 48 days’ interest-free credit, which helps you manage your expenses better.

• Fuel Surcharge Waiver: Receive a waiver of 1% of fuel surcharges on spends between ₹400 and ₹5,000 with a monthly cap of ₹500.

• Annual Fee Waiver: The Annual fee of ₹1,499 is waived off when you spend ₹1.5 lakhs and above within a year.

Other Features

• Add-On Cards: Get up to two add-on cards for family members aged 18 years and above, enjoying the privileges and reward points of the primary card.

• Zero Lost Card Liability: Report within 48 hours of theft or loss and get protection against fraudulent usage.

• Global Acceptance: Get your card swiped at over 9 lakh merchants in India and over 29 million merchants worldwide, so it is always easy wherever you go.

What are the fees for the IDBI Euphoria World Credit Card?

Here is a simple breakdown of the  IDBI Euphoria World 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 charge of 2.9% per month (34% annually) 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 Euphoria World 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 Euphoria World Credit Card?

The documents that you will have to submit to get the IDBI Euphoria World 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 Euphoria World Credit Card be used?

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

• With the IDBI Euphoria World 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 Euphoria World Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IDBI Euphoria World 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 Euphoria World Credit Card?

The credit amount you can spend is what you are provided to you with an IDBI Euphoria World 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 Euphoria World 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 Euphoria World Credit Card.

• Just hover your cursor on the  IDBI Euphoria World 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 Euphoria World Credit Card.

• Request for the credit card application form of the  IDBI Euphoria World 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 Euphoria World 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 Euphoria World Credit Card in 2025 be right?

Yes, getting an IDBI Euphoria World 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

Briefly, the IDBI Euphoria World Credit Card is not just a payment tool — it is a lifestyle buddy of all sorts for people who wish to indulge in the best life has to offer and not spend a thought about money in the process. To prompt you to open this card, you’re welcomed with welcome reward points and an elite experience that compounds the more you utilize the card. Whether you’re buying something, dining out, flying away, or buying tickets online, with each purchase you’re getting yourself closer to amazing rewards and benefits.

Besides all this, the card is specially designed to meet the needs of today’s generation of speed. With touch-less transaction, EMV chip protection, and global acceptability, you have the luxury of being convenient and secure, wherever you are. And above it all, the free perks like airport lounge access, fuel surcharge waiver, and attractive EMI offers make your life simple and rewarding.

Aside from that, IDBI Bank has seen to it that the application process is easy and hassle-free. You can apply with ease online or drop into a nearby branch with minimal documents. Once approved, you are in an era of comfort, luxury, and freedom from financial burdens.

Frequently Asked Questions (FAQ’s)