IDBI Winnings RuPay Select Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

There is no joining fee for the IDBI Winnings RuPay Select Credit Card. As a welcome perk, you can receive 10% cashback up to Rs. 500 on all transactions. You will earn 500 delight points when you make 5 transactions worth Rs. 1000 each month. During your Birthday month, you will receive double delight points. For every Rs. 100 spent on this card, you will earn 2 delight points. This card also provides accidental death and permanent disability insurance coverage of up to Rs. 10 lakhs each. You can enjoy a 1% fuel surcharge waiver, with a maximum waiver of Rs. 400 per month.

The IDBI Winnings RuPay Select Credit Card is a great option for avid shoppers.

With no joining fee and a renewal fee of Rs. 899 from the second year onwards, this card offers convenience and value for money.

One of the welcome benefits of this card is the opportunity to get 10% cashback (up to Rs. 500) on all transactions within 90 days of receiving the card.

This is a fantastic offer for those looking to make the most of their purchases.

When it comes to shopping, the IDBI Winnings RuPay Select Credit Card truly shines.

You can earn 500 delight points or more by making just 5 transactions worth Rs. 1000 per month.

Moreover, you can earn 2 delight points for every Rs. 100 spent on this card.

These reward points can later be redeemed for exciting offers and discounts.

For travelers, this credit card offers complimentary access to both domestic and international airport lounges.

You can enjoy 2 complimentary access to domestic lounges each quarter and 4 complimentary access to international lounges each year.

This is ideal for frequent flyers who value comfort and relaxation during their journeys.

In terms of insurance benefits, the IDBI Winnings RuPay Select Credit Card covers accidental death insurance and permanent disability up to Rs. 10 lakhs each.

This provides cardholders with added peace of mind and security.

There is also an opportunity to have the renewal fee waived off by spending Rs. 90,000 in the previous year.

This makes it easier for cardholders to enjoy the benefits of this credit card without any additional costs.

While there is a rewards redemption fee of Rs. 99, the IDBI Winnings RuPay Select Credit Card has a low foreign currency markup of just 0.035.

Additionally, the fuel surcharge of 1% is waived at all petrol pumps across India for transactions between Rs. 400 - Rs. 4000, with a maximum waiver of Rs. 400 per month.

For cash advances, there is a fee of 2.50% or a minimum of Rs. 500.

However, this should be used sparingly as it incurs additional charges.

In summary, the IDBI Winnings RuPay Select Credit Card is a valuable companion for shoppers, offering attractive rewards, airport lounge access, and insurance benefits.

While there are some fees and charges to consider, the overall benefits and convenience make this card a top choice for individuals seeking a credit card tailored to their shopping needs.