IDBI

Winnings RuPay Select Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — ₹899 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
₹90K fee waiver

What you'd do with it

Works when a ₹899 annual fee is acceptable for the accelerated earn rates.
Useful for travelers who need around 8 domestic lounge visits a year.

Strong lounge access 2 per quarter domestic lounge
Supports UPI Supports UPI via RuPay network.

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

Choose another card to compare →

Annual fee ₹899 per year

Forex markup 3.5% high

Lounge access 2 per quarter

Rewards / ₹100 2 pts ₹100

The catch Domestic: 2/quarter · requires ₹2 spend in the calendar quarter. Domestic lounge cap is 72 visits per year. International lounge cap is 2 visits per year.

Fee waiver available
Annual fee known
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹899 lower than 60 of 112 cards
Joining fee: ₹0
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: 2 per quarter domestic lounge · 4 per year international
Reward rate: 2 pts / ₹100

Good fit for

Strong lounge access
Supports UPI

Still worth it?

Evidence-backed snapshot

Good fit if

Annual fee is relatively low at ₹899.
Fee waiver applies at ₹90,000 annual spend.
Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 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 2 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. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.

Is this good for lounge access?

2 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?

Fee waiver applies at ₹90,000 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₹90,000yearAnnual 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

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend2 pts / ₹1002 Delight Points for every Rs. 100 spent; excludes MITC excluded MCCs.—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
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): 2 per quarter — via RuPay lounge programme Condition: ₹2 spend in the calendar quarter

4 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 Winnings Product Page
Operator config (Idbi Winnings Domestic Quarterly)
International (cardholder): 4 per year — via RuPay lounge programme

4 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 Winnings Product Page
Operator config (Idbi Winnings Domestic Quarterly)
IDBI Winnings product page: IDBI Winnings product page

Rewards

Points per ₹100: 2 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

Redemption value

You earn: Reward Points
Cashback: ₹0.25 per Reward Point · 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: ₹90,000 · verified 10 Jul 2026 Below catalog median waiver (₹2,00,000 vs ₹90,000).
Interest-free period: Up to 48 days