What is the annual fee for IDBI Royale Signature Credit Card?

No joining or annual fee currently listed.

IDBI

Royale Signature Credit Card

Good for everyday spend without annual fee drag.

IDBI VISA

Royale Signature

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

You want a lifetime-free card.
1 per quarter domestic lounge.

Issuer evidence · 4 sources →

Trade-off

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

Annual fee ₹0 no annual fee currently listed

Rewards 3 pts / ₹100

Lounge access 1 per quarter

Forex markup 3.5% high

Compare with Axis Bank ACE →

Similar lounge profile

What it costs to get, and to keep

Joining vs renewal

First year

No joining fee

From year 2

No renewal fee

Welcome offer

Activation, first-spend and annual milestone Delight Points

500 Delight Points on card activation · 750 Delight Points on first eligible transaction ≥ ₹1,500 within 30 days · 1,500 milestone Delight Points at ₹2 lakh annual spend · 2,000 milestone Delight Points at ₹4 lakh annual spend

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above

General spend3 pts / ₹100Credited as reward points · additional conditions apply — not fully modelledNot stated

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

3 points per ₹100 on eligible spend

Point value

Not published by issuer — varies by redemption

No reward on

Delight Points exclude transaction categories listed in the IDBI MITC…

See earning rules →

Realisation

Credited as reward points

Costs & fees

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: Up to ~1,500 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
We can estimate the points earned, but not a verified ₹ value yet.
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 · verified 31 Aug 2026 Issuer publishes 1 complimentary domestic lounge visit per calendar quarter; no spend threshold found on the product page.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Operator-verified anchor
Issuer site (verify current terms) , opens external site
Issuer site (verified manually) , opens external site
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

Operator-verified anchor
Issuer site (verify current terms) , opens external site
Issuer site (verified manually) , opens external site
IDBI Royale Signature product page , opens external site

Rewards

Points per ₹100: 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: 2.5% / month
Annual fee: ₹0
Joining fee: ₹0 · verified 10 Jul 2026
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

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions ₹400–₹5,000.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

SIDE BY SIDE

IDBI Bank Royale Signature

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IDBI Bank Royale Signature

Axis Bank My Zone

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IDBI Bank Royale Signature

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The fine print

Caps · exclusions · earning · redemption · last refresh

Exclusions

These spends do not earn reward points.

Other

Delight Points exclude transaction categories listed in the IDBI MITC…

Latest update

Annual fee: ₹0.
Forex markup currently listed at 3.5%.
1 per quarter domestic lounge.

Common questions

From verified card facts

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, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.

When do welcome benefits arrive?

Activation, first-spend and annual milestone Delight Points. Included items: 500 Delight Points on card activation, 750 Delight Points on first eligible transaction ≥ ₹1,500 within 30 days — First transaction of ₹1,500 or more within 30 days of issuance, 1,500 milestone Delight Points at ₹2 lakh annual spend (1,500 pts) — Annual spend milestone, 2,000 milestone Delight Points at ₹4 lakh annual spend (2,000 pts) — Annual spend milestone. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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