IDBI Winnings Credit Card
IDBI About This Card
The IDBI Winnings RuPay Select Credit Card offers impressive lounge access (8 domestic + 4 international per year) with no joining fee. The 10% welcome cashback and 2% ongoing rewards add solid value. On the RuPay Select platform for UPI capability. A well-rounded mid-tier card from IDBI.
Pros & Cons
Pros
- Strong lounge access: 8 domestic + 4 international per year
- No joining fee
- 10% welcome cashback in first 90 days is generous
- RuPay enables UPI CC payments
Cons
- Rs 899 renewal fee (waivable at Rs 90K)
- 2% reward rate is decent but not exceptional
- RuPay limits international acceptance
- Fuel surcharge waiver range is narrow (Rs 4K-Rs 5K)
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 2 Delight Points per Rs 100 on all spends (2% value back)
- 2 domestic lounge visits per quarter + 2 international per half-year
- 10% cashback on all transactions within first 90 days (welcome benefit)
- Rs 10 lakh accidental death cover
- RuPay Select platform with UPI CC capability
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