IDBI Bank Euphoria World Credit Card: The IDBI Bank Euphoria World Credit Card, with an aim to provide maximum benefits to its customers with minimum charges and rewards suiting your lifestyle. This credit card offers unimaginable travel and dining benefits and other privileges as well.
You get your rewards in the form of Delight Points and you are welcomed with a card in the form of Delight Points different categories such as flight, hotel, bus bookings, IRCTC, and travel, entertainment, cash, and many more. Also, get luxurious travel experience with complimentary airport lounge access, and many more benefits as well.
Therefore, here in this article we are see the benefits and features offered by the IDBI Bank Euphoria World Credit Card and the eligibility to apply for the same.
Contents
1. IDBI Bank Euphoria World Credit Card Features and Benefits
The IDBI Bank Euphoria World Credit Card comes with benefits and features across different categories such as travel, entertainment and so on.
Here we have mentioned the features and benefits offered by the IDBI Bank Euphoria World Credit Card:
- Welcome Benefits: As a welcome gift, you get 4,000 Delight Points on making your first transaction worth Rs. 1,500 or more within the first 60 days after the card set-up date.
- Travel Benefits: At selected airport lounges get complimentary domestic lounge access in India.
- Joining and Renewal Fee Waiver: On spending Rs. 1,50,000 or more, renewal fee is waived off in the previous anniversary year.
- Fuel Surcharge Waiver: On your fuel transactions between between Rs. 500 and Rs. 4,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 500 per calendar month.
- Zero Liability Protection: You are not liable to fraudulent transactions made with the card in case of timely reporting i.e., within 24 hours about the theft or loss of the card
- Insurance Benefits: Get a worth of Rs. 25 lakhs, as a insurance coverage against an air accident.
2. IDBI Bank Euphoria World Credit Card Fees and Charges:
- The Joining fee charges are- Nil.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 1,499 and that is from second year onwards.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 500 of the withdrawn amount.
- An interest rate of 2.9% per month is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: greater than or equal to Rs. 500: Nil, Rs.500 to- Rs. 5000: Rs.400, Rs.5000 to- Rs. 10000: Rs.500, Rs.10000 to- Rs. 20000: Rs.750 and Rs.20000: Rs.950.
3. IDBI Bank Euphoria World Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for IDBI Bank Euphoria World Credit Card are as follows:
- The age limit for applying for this card is 21-60 years of age for salaried employees and 21-65 years of age for self-employed individuals.
- The cardholder should be an Indian resident.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License, Copy of the applicant’s ticket/Visa (self-attested) and Copy of your Passport (self-attested).
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, and if you are self-employed, you should submit your latest ITR.
- Copy of bank statement (proof for the application fee payment of the Forex Card).
- Cancelled cheque, latest bank statement, passbook.
4. How to Apply for IDBI Bank Euphoria World Credit Card:
For IDBI Bank Euphoria World Credit card you can apply offline. For offline mode, you can visit your nearest IDBI Bank branch with all the required documents and fill out the physical application form. And also by contacting by the IDBI net banking services i.e., by calling on 1800 425 7600 a toll- free number and 022 4042 6013 a non-toll-free 24×7 service.
These are the way in which you can apply for IDBI Bank Euphoria World credit card.
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