IDBI Bank
IDBI Bank Limited • RBI SCHEDULED COMMERCIAL BANK • MITC Verified
Comprehensive 2026 MITC audit: IDBI Bank operates Delight Points rewards ecosystem (1 DP = ₹0.25 standard redemption). Flagship Royale Signature is Lifetime Free (₹0/₹0) with 4 domestic lounge visits/year and 0.75% base return. Euphoria World carries ₹1,499 fee from year 2 with 12 domestic lounge visits/year and 1.5% travel rewards. Aspire Platinum is Lifetime Free entry-level card. Imperium Platinum is secured against fixed deposit (85% limit, min ₹20k FD). Winnings RuPay Select charges ₹899 fee with 500 bonus points on 5x₹1,000 monthly transactions. Co-branded LIC CSL suite includes Lifetime Free Lumine (RuPay Platinum, 3 DP/₹100 on LIC) and Eclat (RuPay Select, ₹1,499 waived at ₹3L, 4 DP/₹100 on LIC, 8 lounge visits).
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends
Key Reward: 1-2% return on retail spends