IDBI

Euphoria World Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹1,499 annual fee.

Top reasons to choose this card

12 complimentary lounge visits
₹1.5L fee waiver

What you'd do with it

Useful for travelers who need around 12 domestic lounge visits a year.
Good fit when travel is a regular spend category for you.

Strong lounge access 12 per year domestic lounge

Suggested comparison Similar tier comparison Compare with Axis Bank IndianOil Axis Bank Premium RuPay →

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Annual fee ₹1,499 per year

Forex markup 3.5% high

Lounge access 12 visits / year

Rewards / ₹100 6 pts up to · ₹100 on travel

The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.

Fee waiver available
Annual fee known
Forex markup known
12 per year domestic lounge
Verify current lounge list

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹1,499 higher than 60 of 112 cards
Joining fee: ₹0
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: 12 per year domestic lounge
Reward rate: Up to 6 pts / ₹100 on travel

Good fit for

Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Fee waiver applies at ₹1,50,000 annual spend.
Use this for travel spends, but verify caps and exclusions before relying on the headline rate.
12 per year domestic lounge

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
12 per year domestic lounge
Verify current lounge list
Airport lounge list may change
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 12 per year domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 3 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank IndianOil Axis Bank Premium RuPay Similar tier comparison Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee.

Is this good for lounge access?

12 per year domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹1,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,50,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions

Verified value₹0.25 per pointCashback

Best verified laneTravel6 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Travel6 pts / ₹1006 Delight Points for every 100 you spend on travel related expenses viz. Hote…—

General spend3 pts / ₹1003 Delight Points on every other spent (non-travel).—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (3 pts / ₹100). ~1,500 pts/month. Partner/category bonuses not included.
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 12 per year — via Mastercard lounge programme · verified 10 Jul 2026

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) (opens in new tab)
Operator-verified anchor
International (cardholder): Not included International details not available.

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) (opens in new tab)
Operator-verified anchor
IDBI Euphoria World product page: IDBI Euphoria World product page

Rewards

Base earn: 3 pts / ₹100 · verified 10 Jul 2026 value depends on redemption
Headline point value: ₹0.25 per Reward Point (Cashback) · verified 10 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity: Points expire 3 years after earning · verified 10 Jul 2026

Redemption value

You earn: Reward Points
Cashback: ₹0.25 per Reward Point · verified 10 Jul 2026

Insurance Cover

Air accident cover: ₹25 lakh · verified 10 Jul 2026

Fees & charges

Fees

Monthly interest rate: 2.9% / month
Annual fee: ₹1,499
Joining fee: ₹0 · verified 10 Jul 2026
Fee waiver spend: ₹1,50,000 · verified 10 Jul 2026 Below catalog median waiver (₹2,00,000 vs ₹1,50,000).
Interest-free period: Up to 48 days