IDBI Royale Signature Credit Card
IDBI About This Card
The IDBI Royale Signature Credit Card is a lifetime-free card with an impressive 3% reward rate and quarterly domestic lounge access. Add Rs 25L air accident insurance and it's one of the best free cards in India. Limited by IDBI's smaller banking footprint.
Pros & Cons
Pros
- Lifetime free with 3% rewards — excellent value
- Domestic lounge access (4/year) on a free card
- Rs 25L air accident insurance
- Up to 2 add-on cards at no cost
Cons
- Only 1 lounge visit per quarter
- No international lounge access
- IDBI's limited digital ecosystem
- 3.5% forex markup
Fee Details
Reward Structure
Lounge Access
Key Highlights
- No joining or annual fee (lifetime free)
- 3 Delight Points per Rs 100 spent (3% value back)
- 1 complimentary domestic lounge visit per quarter
- Rs 25 lakh air travel accident insurance
- 1% fuel surcharge waiver (Rs 400-Rs 5,000)
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