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IDBI Bank

IDBI Bank Royale Signature

VisaMidPoints
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Annual Fee

₹999

Reward Type

Points

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹1,50,000)
Min Monthly Income₹30,000

Rewards

Reward TypePoints
Base Rate0.67%
Point Value₹0.25/point

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Amex MRCC (97%) →Axis Bank Neo (97%) →ICICI Rubyx (97%) →ICICI Sapphiro (97%) →Kotak Zen (97%) →

💡 Fee Waiver Strategy

Spend ₹1.5L/year to waive ₹999 fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 0.67%, you need to spend ₹1,49,105 annually.

🎯 Pro Tips

  • ▸4 domestic lounge visits/year
  • ▸Fuel surcharge waiver
  • ▸Available for IDBI Bank salary account holders

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹1,011

Effective Rate

0.1%

Ranked #150 of 173 cards#150

₹999 annual fee deducted from gross rewards value.

🏷️ Best For

lifestyle