IDBI bank ‘Winnings’ Rupay Select Credit Card (fees & offers full details)

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IDBI bank ‘Winnings’ Rupay Select Credit Card (fees & offers full details):-

1) Rupay ‘Winnings’ RuPay Select Fees and Charges :-

Joining fee – Rs899
Annual fee – Main card(General) – Rs899
Renewal fee – INR 899/- [would be waived on minimum spent of 90000/- in a year]
Annual fee – add on card – Nil
Renewal fee – add on card – Nil
Interest on revolving credit facility (p.m) – 3.4 %
Cash advance transaction fee – 2.5 % of transaction fee with a minimum of Rs.300 whichever is higher
Interest on cash advance (p.m) – 3.4%

Late payment fees (per occasion, based on amount due) – Less Than 100- NIL
100 to 500 – 100
501 to 5000 – 400
5001 to 20K – 500
> 20001 – 750

Over limit charges – 2.5% of over limit amount subject to minimum of 500
Return of cheque – Rs225
Auto Debit Return Fee – Rs225
Outstation cheque processing fee – Upto 5000/-, fee will be 25/-, Above 5000/-, fee will be 50/-.
Cash processing fee – Rs100
Duplicate statement request – Rs100
Replacement card – Rs200
Charge slip /Charge back request – Rs125
Limit enhancement – Rs100
Fuel surcharge waiver – Yes [For txn. value min of 400/- max.upto 5000, Maximum waiver of 400/-per month]
Foreign Currency Transactions – Bank charges Cross currency mark up 3.5 %
Reward Redemption Fees – Rs99
EMI Charges – Minimum Amount: 3000/- Interest Rate: 13% per annum Fees and foreclosure fees: NIL Tenure Options: 3, 6, 9 or 12 month

Balance Transfer Fees – Minimum Amount: 3000/- Processing Fees: 1.5% of BT amount or 99/- whichever is higher.

2) Features and Benefits:-

Earn More while you Spend -

The `Winnings’ Credit Card always gives you something extra. You will earn 2 Delight Points for every 100 spent on your card. So shop till you drop with your `Winnings` Credit Card and get irresistible offers from globally renowned brands redeemable against your Delight Points.

• Get welcome benefit of flat 10% cashback on all transactions with minimum value of Rs. 1000/- done within 90 days of card receipt.
• You can also earn 500 more Delight Points with just 5 transactions of value Rs.1000 each per month.
• Get double Delight points on your Birthday month.

Interest Free Credit -

Enjoy interest free credit of up to 48 days* on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due

*Refer MITC for more details

Drive On -

Waiver of 1%* fuel surcharge every time you fill fuel using IDBI Bank Winnings RuPay Select card across all fuel stations for transactions in the range of 400 to 5000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto 400 per month

Personal Accident Insurance Cover -

Accidental Death: Cover of 10.00 lakh in case of loss of life due to accident.
Permanent Disability: Cover of 10.00 lakh in case of permanent disability due to accident.
Criteria:
Age -18 years to 70 years
Card Usage – One successful financial or non-financial transaction at any channel is done in the last 90 days prior to the incident.

Airport Lounge Access -

A smart man always makes the smartest move. Get away from the terminal traffic during a delayed flight to immerse in the comfort of plush airport lounges with delicious cuisine in India or abroad, absolutely free with your IDBI Bank `Winnings’ Credit Card,

Wider Acceptance -

You can use your Winnings Credit Card for booking Air/IRCTC/Bus/Hotels/ Movie tickets or enjoying Dining, Shopping, Paying Utility Bills, Recharge, Fuel and much more at over39.3 millionmerchants and 1.88 million ATMS spread across India and abroad, securely with RuPay PaySecure and also earn Delight points on your transactions.

Zero Lost Card Liability -

In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 – 4042 6013 (Non-toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction after reporting the loss will be covered by the Bank.

Family Cards -

Make IDBI Bank your family Bank by gifting your family members (only for members above 18 years) an add-on Winnings RuPay Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The reward points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the higher eligibility.

3) Eligibility

Eligibility:

• Primary card holder should be in the age bracket of 21 years to 60 years (65 years for self-employed).

• Add-on card holder should be 18 years and above

• Should be a resident of India

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documentation:

• ID Proof: Voter ID/ Passport/ Driving License/ PAN card/ Adhaar Card
• Residence Proof: Electricity/ Telephone Bill/ Election Card/ Passport/ Adhaar Card
• Income Proof: Latest 3 months’ Salary Slip/ Latest 3 months Bank Statement/ Latest IT Return//Form 16
• Recent Photograph

The above list is only indicative and documents required may vary on a case to case basis.