Eligible spend
2 points per ₹100 on eligible spend
IDBI RUPAY
Winnings RuPay Select
Should you get this?
Conditional fit
Why this card
- Low annual fee of ₹899.
- Published base rewards of 2 pts / ₹100.
- Published lounge access: 2 domestic (2 per quarter) + 4 intl (4 per year).
Trade-off
The annual fee (₹899) is waived only when eligible annual spend exceeds ₹90,000.
Card fees No joining fee From year 2 · ₹899 / year
Rewards 2 pts / ₹100
Lounge access 2 domestic (2 per quarter) + 4 intl (4 per 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
₹899renewal fee
Waived above ₹90,000 eligible annual spend
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsNot stated
How to avoid the annual fee
Spend threshold for waiver Above ₹90K annual eligible spend required for the waiver
Annual fee is ₹899. 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
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹90,000yearAnnual fee waiver
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 ~1,000 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.
- 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)
- 2 per quarter — via RuPay lounge programme · verified 31 Aug 2026
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- International (cardholder)
- 4 per year
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
Rewards
- Points per ₹100
- 2 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
- ₹10 lakh · verified 10 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.4% / month
- Annual fee
- ₹899
- Joining fee
- ₹0 · verified 10 Jul 2026
- Fee waiver spend
- Above ₹90,000 · verified 10 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹90,000.
- 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
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹899.
- Forex markup currently listed at 3.5%.
- 2 per quarter domestic lounge · 4 per year international.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic + 4 per year international. 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 ₹90,000 annual spend. Verify eligible spend exclusions before counting on it.
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