IDBI Winnings RuPay Select Credit Card: Experience Rewards like never Before

Credit cards are now a necessary financial instrument in today’s fast-paced world since they provide ease, security, and a variety of benefits. One such credit card that has been generating buzz in the market is the IDBI Winnings RuPay Select Credit Card. With an array of features and benefits, it aims to cater to the needs of both frequent shoppers and avid travelers. In this review, we will explore the key highlights of the IDBI Winnings RuPay Select Credit Card and evaluate if it lives up to the hype.

Key features of IDBI Winnings RuPay Select Credit Card:

Annual Fee	Rs. 899 (from second year onwards)
Welcome Benefit	All transactions with a minimum value of Rs. 500 will receive a flat 10% cashback.
Suitable For	Rewards and Travel
Reward Points	Every Rs. 100 spend will get you two delight points.

Benefits of IDBI Winnings RuPay Select Credit Card:

Welcome Benefits:

• As welcome bonuses, the IDBI Bank Winnings RuPay Select Credit Card offers 10% cashback on all purchases made within 90 days of card issuance, up to a maximum of Rs. 500.
• The rebate promotion is only valid after paying the registration cost.

Insurance Benefits:

• On the IDBI Bank Winnings RuPay Select Credit Card, the IDBI Bank offers accidental death insurance up to Rs. 10,000,000.
• Additionally, it includes insurance against accidental permanent disability up to Rs. 100,000.

Other Benefits:

• the winnings from IDBI Bank When a card is lost or stolen, the RuPay Select Credit Card offers no liability protection.
• If a fraudulent purchase occurs despite reporting the loss or theft of the card, the bank will make up the loss.

Fuel surcharge waiver:

• On all fuel purchases between Rs. 400 and Rs. 5,000 made at any filling station in India, you will receive a 1% fuel surcharge waiver.

Earn Delight points:

• You will receive 2 Delight Points for every Rs. 100 you spend. You can gain Delight points in a variety of ways:
  On all transactions completed within 90 days of the card’s issuance, you will get a flat 10% cashback. The minimum purchase required to receive cashback is Rs. 500.
• 500 Delight points are awarded for five transactions every month totaling Rs. 1,000 each.
• During the month of your birthday, your Delight points are doubled.

Zero lost card liability:

• In order to get your card stopped and stop it from being used fraudulently, you must notify the bank right once if you lose it by phoning the customer service line at 1800 425 7600 (toll free) or 022 – 4042 6013 (non-toll free).

Add-on cards:

• For family members who are at least 18 years old, you can purchase add-on cards.
• They will also be able to take use of the advantages provided by the main credit card. Reward points can be combined with those obtained using the primary card and cashed in accordance with the requirements.

Fee’s And Charges of IDBI Winning RuPay Select Credit Card:

Fee Types	Amount Charged
Joining Fee for primary/add-on card	Nil
Annual Fee for primary card	Rs.899 from second year
Annual Fee for add-on card	Nil
Renewal Fee for primary / add-on card	Nil
Annual fee waiver	If your annual spending exceeds Rs. 90,000,
Interest on revolvinag credit facility	3.4% per month
Cash advance fee	The higher of 2.5% of the transaction amount or Rs. 500
Interest On cash advance	3.4% per month
Late payment fees	Less than equal to Rs.500 – Nil Greater than Rs.500 to less than equal to Rs.5,000 – Rs.400 Greater than Rs.5,000 to less than equal to Rs.10,000 – Rs.500 Greater than Rs.10,000 to less than equal to Rs.20,000 – Rs.750 Greater than Rs.20,000 – Rs.950
Over limit charges	2.5% of the amount that exceeds the limit, with a minimum of Rs. 500.
Charges for cheque or auto debit return	Rs.500

Redeeming Rewards on IDBI Winnings RuPay Select Credit Card:

• The IDBI Bank Winnings RuPay Select Credit Card’s reward points can be used to pay for dining out, shopping, household expenses, vacations, presents, and entertainment.

Eligibility to apply for IDBI Winnings RuPay Select Credit Card:

• A primary cardholder must be at least 21 years old and at most 60 years old to be eligible.
• For applicants who are self-employed, 65 years of age is the maximum eligibility age.
• Add-on cardholder eligibility requirements include a minimum age of 18 years.
  An Indian citizen must be the primary cardholder.

Documents Required for IDBI Winnings RuPay Select Credit Card:

• Evidence of identity, including a passport, voter ID, and Aadhaar card.
• Aadhaar cards, utility bills, and other documents serving as proof of address.
• Income documentation, including your most recent pay stub, a Form 16 from the previous three months, income tax returns, etc.
  a current passport-size photo of yourself.

Who should get IDBI Winnings RuPay Select Credit Card:

For you, the IDBI Winnings Credit Card is most appropriate if:

• With this credit card, you want to make large purchases in order to maximise your reward points.
• You frequently travel and would want complimentary access to airport lounges.
• You desire to reduce the gasoline surcharge.

How to Apply for IDBI Winnings RuPay Select Credit Card:

Via Online:

• Click on the ‘Apply Now’ button after clicking the following link: https://www.idbibank.in/winnings-credit-card.asp.
• You will be taken to a new page after clicking the ‘Click here’ link.
  Choose whether or not you are an existing client under “Help Us Contact You.”
• Enter the necessary information, then click ‘Credit Card’ under ‘Products Required’. If you authorise the bank to contact you, enter the code into the box provided below and check the appropriate box. Next, select “Submit.”
• You will be contacted by a bank representative who will help you with the credit card application process.

Via Offline:

You can bring all the required documentation to the closest IDBI Bank branch. You’ll receive assistance from a bank professional during the credit card application procedure. Complete the application and provide the required paperwork. The bank will accept your credit card application if all the information is accurate.

Contact:

Via Phone:

 1800 425 7600 (Toll Free) or 022 – 4042 6013 (Call Charges Applicable)

Via E-mail:

customercare@idbi.co.in 

Conclusion:

The IDBI Winnings RuPay Select Credit Card is undoubtedly a feature-rich offering, catering to the needs of both frequent shoppers and travelers. With an attractive rewards program, travel perks, fuel surcharge waiver, and contactless payment technology, it packs a punch in terms of benefits. However, potential applicants should consider their spending habits and lifestyle to ensure they can make the most of the card’s features and offset the annual fee.

As with any financial product, it is always advisable to read the terms and conditions thoroughly before applying for the card. If the rewards and benefits align with your lifestyle and financial goals, the IDBI Winnings RuPay Select Credit Card could be an excellent addition to your wallet, helping you unlock a world of rewards and convenience.

F.A.Q’s:

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