IDBI Winnings RuPay Select Credit Card: Benefits & Apply

Summary

The IDBI Winnings RuPay Select Credit Card is a premium card designed to offer customers rewards, convenience, and lifestyle advantages. First, the card is introduced by IDBI Bank and operates on the RuPay Select network, ensuring extensive usage and more benefits. The huge advantage of this card is that it has an excellent reward points scheme, whereby the user receives points on all their transactions. The points can then be exchanged for gifts, vouchers, or savings, meaning each transaction will be worth more.

Besides rewards, the card also possesses some additional benefits that enhance the experience of the user. For example, accessing the airport lounge is complimentary, and card members can enjoy comfort and ease during flights. This benefit is especially useful for frequent flyers who would not want to stay in crowded airport waiting rooms. The card also has fuel surcharge waiver, which assists in conserving money when refilling one’s vehicle.

Besides, the card offers accidental death and disability insurance, serving as an additional cover for cardholders. To go with this, the card also supports contactless payments, which speed up payments and make them safer in the contemporary world. Another advantage is that the card allows for issuing additional cards to family members, hence enabling them to benefit and help with settling family bills.

Introduction

Credit cards are a part of our daily life now. No matter whether one attends to shopping, dinner, or tickets, a credit card makes everything easy and also gives them rewards. But when there are so many choices, choosing the most appropriate credit card is not simple. If you are looking for a credit card that rewards you and makes you feel at ease, then the IDBI Winnings RuPay Select Credit Card is probably ideal for you.

First off, this credit card is offered by IDBI Bank, which is one of the well-established names in Indian banking. It is run by the RuPay network, which is India’s domestic payment system developed by the National Payments Corporation of India (NPCI). RuPay cards are becoming popular because of their wide acceptability and other benefits. Moreover, the Select variant of RuPay gives this credit card a premium feel with various lifestyle and wellness benefits to cardholders.

Let’s now talk about what’s special about the card. One of the main attractions of the IDBI Winnings RuPay Select Card is the reward scheme. Every time you use this card to spend money, you earn reward points that can later be redeemed as gifts, vouchers, or services. Shopping online or offline, rewards keep piling up.

In addition, cardholders also get to enjoy insurance coverage, fuel surcharge rebates, and concierge services – all reasons why this card is ideal for personal and business use. On top of it all, this card comes equipped with contactless technology, allowing you to simply tap and pay for your transactions – it’s convenient, quick, and secure.

What is the IDBI Winnings RuPay Select Credit Card?

The IDBI Winnings RuPay Select Credit Card is a special credit card offered by IDBI Bank in collaboration with the RuPay network. This card is designed not only to offer users the facility of spending, but also a range of lifestyle rewards. This card, which is different from normal credit cards, offers extra benefits such as cashback offers, lounge privileges, dining benefits, and insurance facilities.

Also, this card falls under the RuPay Select category, and it comes with premium services like airport lounge access, health check-ups, and concierge services. Also, it supports contactless payments, which allow you to simply tap and pay instead of swiping the card, which is faster and more secure.

How is the design of the IDBI Winnings RuPay Select Credit Card?

IDBI Winnings RuPay Select Credit Card is designed in an elegant, modern, and sophisticated manner. To begin with, the card comes in a dark superior color that carries a sophisticated and professional look. The IDBI Bank logo is fitted nicely on one side of the card, while the RuPay Select logo is marked, showing that it belongs to a select league of RuPay cards.

Moreover, the card is also free of clutter, and vital details like your name and card number are also given prominence in legible and clear font. The card also contains a contactless payment icon, and hence you can just tap the card at contactless enabled points to make swift and secure payments.

What are the benefits of the IDBI Winnings RuPay Select Credit Card?

Here’s a rundown of its key benefits:

Welcome Offer

• Earn 10% cashback for all spends made in the first 90 days, after a minimum spend of ₹500 and a cashback maximum of ₹500, on activation.

Reward Points

• Earn 2 Delight Points for every ₹100 spent.

Bonus Delight Points:

• 500 points by completing five transactions in a month of ₹1,000 each.

• Double Delight Points in the birthday month.

Airport Lounge Access

Get free lounge access:

• 2 transactions in a quarter in participating domestic lounges.

• 2 transactions in each half-year in participating international lounges.

Fuel Surcharge Waiver

• Get a 1% waiver on fuel surcharges on spend of ₹400 to ₹5,000 at any petrol pump in India.

Insurance Cover

Participating cardholders (18–70 years) with a transaction in the previous 90 days are covered against:

• ₹10 lakh in the event of accidental death.

• ₹10 lakh in the event of permanent disablement by accident.

Wide Acceptance

Make payments on multiple expenses, such as:

• Booking travel (air, bus, train, hotel).
• Dining and shopping.
• Payment of the utility bill.
• Buying fuel.
• Internet recharge.

Security Features

In the event of loss of your card, immediately contact IDBI Bank’s 24-hour customer service to block the card to avoid misuse.

Add-on Cards

• Avail up to 2 add-on cards for relatives over the age of 18 years, so that they can also benefit in the same ways and score points towards rewards.

• All these features make the IDBI Winnings RuPay Select Credit Card a worthwhile option amongst individuals interested in rewards, travel benefits, and general benefits.

What are the fees for the IDBI Winnings RuPay Select Credit Card?

Here is a simple breakdown of the  IDBI Winnings RuPay Select 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 3.40% per month (40.8% 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 Winnings RuPay Select 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 Winnings RuPay Select Credit Card?

The documents that you will have to submit to get the IDBI Winnings RuPay Select 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 Winnings RuPay Select Credit Card be used?

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

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

• The  IDBI Winnings RuPay Select 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 Winnings RuPay Select Credit Card?

The credit amount you can spend is what you are provided to you with an IDBI Winnings RuPay Select 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 Winnings RuPay Select 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 Winnings RuPay Select Credit Card.

• Just hover your cursor on the  IDBI Winnings RuPay Select 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 Winnings RuPay Select Credit Card.

• Request for the credit card application form of the  IDBI Winnings RuPay Select 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 Winnings RuPay Select 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 Winnings RuPay Select Credit Card in 2025 be right?

Yes, getting an IDBI Winnings RuPay Select 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

Overall, the IDBI Winnings RuPay Select Credit Card is a good option for someone looking for something other than a regular credit card. It has several advantages that can make your regular expenses a rewarding and enjoyable experience. For instance, a reward points system allows you to earn points on nearly every transaction, which you can exchange for wonderful gifts or discounts at some future time. This is equivalent to stating that you receive something in return every time you use your card, a great means of having your money work harder for you.

In addition, the card has working benefits such as free use of airport lounges, a useful benefit for frequent travelers. Instead of waiting in long lines at crowded terminals, you can relax and indulge in the luxury of a lounge, saving time and travel stress. Furthermore, the exemption on fuel surcharge and insurance cover adds deeper levels of savings and security, making the card even more worthwhile to utilize in daily life.

Besides that, the convenience of contactless payment and acceptance of the RuPay network everywhere is such that it is simple and safe for you to make use of this card anywhere in India. This sort of convenience is very much required in this fast-moving age where one needs fast and secure payments. The fact that it allows you to take advantage of an add-on card means that your loved ones too can enjoy the same, which helps manage costs better.

Frequently Asked Questions (FAQ’s)