IDBI

Royale Signature Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — ₹0 annual fee.

Top reasons to choose this card

4 domestic lounge visits, spend-gated

What you'd do with it

Strong fit when you want everyday spend without annual fee drag.

Limited lounge access 1 per quarter domestic lounge

Suggested comparison Similar lounge profile Compare with Axis Bank ACE →

Choose another card to compare →

Annual fee ₹0 lifetime free

Forex markup 3.5% high

Lounge access 1 per quarter

Rewards / ₹100 3 pts ₹100

The catch Domestic: 1/quarter · requires ₹1 spend in the calendar quarter. Domestic lounge cap is 72 visits per year.

Annual fee known
Forex markup known
1 per quarter domestic lounge
Airport lounge list may change
Monthly interest known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹0
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: 1 per quarter domestic lounge
Reward rate: 3 pts / ₹100

Fit data not yet captured for this card.

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters.
Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.
1 per quarter domestic lounge

Verify before applying

Annual fee known
Forex markup known
1 per quarter domestic lounge
Airport lounge list may change
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 1 per quarter 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 ACE Similar lounge profile 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. No annual fee cards Cards with zero published annual fee.

Is this good for lounge access?

1 per quarter 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?

No joining or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

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: Unknown

Card facts refreshed 11 July 2026.

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

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend3 pts / ₹1003 Delight Points for every Rs. 100 spent; excludes MCCs in MITC Delight Point…—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,500 pts/month (base earn · uses base/general earn rate)
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): 1 per quarter — via Visa lounge programme Condition: ₹1 spend in the calendar quarter

5 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) (opens in new tab)
Issuer site (verified manually) (opens in new tab)
Idbi Royale Product Page
Operator config (Idbi Royale Domestic Quarterly)
International (cardholder): Not included International details not available.

5 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) (opens in new tab)
Issuer site (verified manually) (opens in new tab)
Idbi Royale Product Page
Operator config (Idbi Royale Domestic Quarterly)
IDBI Royale Signature product page: IDBI Royale Signature product page

Rewards

Points per ₹100: 3 pts · 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