Eligible spend
3 points per ₹100 on eligible spend
IDBI MASTERCARD
Euphoria World
Should you get this?
Conditional fit
Why this card
- Up to 6 pts / ₹100 on Travel
- 12 per year domestic lounge.
- You spend on travel.
Trade-off
The annual fee (₹1,499) is waived only when eligible annual spend exceeds ₹1,50,000.
Card fees No joining fee From year 2 · ₹1,499 / year
Rewards 3 pts / ₹100 base
Lounge access 12 visits / year
Forex markup 3.5% high
Compare with Axis Bank IndianOil Axis Bank Premium RuPay →
Similar tier comparison
What it costs to get, and to keep
Joining vs renewalFirst year
No joining fee
From year 2
₹1,499renewal fee
Waived above ₹1,50,000 eligible annual spend
Welcome offer
Activation and first-spend Delight Points
500 Delight Points on card activation · 750 Delight Points on first ₹5,000+ transaction within 30 days
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward pointsNot stated
Travel6 pts / ₹100Credited as reward pointsNot stated
How to avoid the annual fee
Spend threshold for waiver Above ₹1.5L annual eligible spend required for the waiver
Annual fee from the second year is ₹1,499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Travel
6 pts / ₹100
View bonus categories →Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹1,50,000yearAnnual fee waiver
Milestone spend₹2,00,000yearMilestone benefit
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹100). Up to ~1,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- 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 factsBenefits
Lounge Access
- Domestic (cardholder)
- 12 per year — via Mastercard lounge programme · verified 10 Jul 2026
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
Rewards
- Base earn
- 3 points per ₹100 · verified 10 Jul 2026 value depends on redemption
- Point validity
- Points expire 3 years after earning · verified 10 Jul 2026
Insurance Cover
- Air accident cover
- ₹25 lakh · verified 10 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 2.9% / month
- First-year cost
- ₹0 · verified 10 Jul 2026
- Annual fee
- ₹1,499 from second year
- Joining fee
- ₹0 · verified 10 Jul 2026
- Fee waiver spend
- Above ₹1,50,000 · verified 10 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹1,50,000.
- Interest-free period
- Up to 48 days
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Mid-tier
Travel & perks
Spend milestones
Progression rewards- ₹2L spend → 1,500 DELIGHT POINTS
- ₹4L spend → 2,000 DELIGHT POINTS
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹500 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- First-year cost: ₹0.
- Annual fee from second year: ₹1,499.
- Forex markup currently listed at 3.5%.
- 12 per year domestic lounge.
Common questions
From verified card factsIs 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 above ₹1,50,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Activation and first-spend Delight Points. Included items: 500 Delight Points on card activation, 750 Delight Points on first ₹5,000+ transaction within 30 days — First transaction of ₹5,000 or more within 30 days of activation. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum