IDBI Credit Card Reward Points – Updated Guide to Earning & Redemption

Key Takeaways
 

• The Euphoria World Card gives you the highest travel rewards with 6 points per ₹100 on flights and hotels.
   
• IDBI reward points stay valid for three years, so check your expiry dates often.
   
• The Winnings Card gives double points in your birthday month, which helps you earn faster.
   

Imagine earning rewards for every coffee, cab ride, or flight you book; that’s exactly what IDBI credit card reward points let you do, turning your daily spends into real savings.

For example, Yash, my cousin, uses his IDBI Euphoria card for travel bookings. He earns 6 points per ₹100 on every flight booking. 

This blog explains how you can maximise your IDBI credit card reward points effectively.

Top IDBI Credit Cards for Reward Points

Not all IDBI credit cards are created equal; from luxury perks to everyday cashback, each one comes with its own rewarding twist that suits your lifestyle and spending habits.

The bank offers several credit cards with different reward structures. Choose the card that matches your spending habits best.

Royale Signature Card: This card earns 3 Delight Points per ₹100 spent. It offers premium lifestyle benefits to cardholders. The card suits people who want luxury features.

Euphoria World Card: You earn 6 points per ₹100 on travel spending. You get 3 points per ₹100 on other purchases. This card works well for frequent travellers.

Aspire Platinum Card: This card gives 2 points per ₹150 spent. It works as a good everyday spending card. The card offers mid-tier benefits to users.

Imperium Platinum Card: You earn 2 Delight Points per ₹150 spent. It provides similar benefits to the Aspire card. Some features differ between the two cards.

Winnings Credit Card: This card earns 2 points per ₹100 spent. You get 500 bonus points monthly on qualifying transactions. The card doubles points during your birthday month.

Each card has unique benefits for earning IDBI credit card reward points. Select based on your lifestyle and spending patterns carefully.

Types of IDBI Credit Card Reward Programme

Whether you’re paying bills, shopping online, or booking holidays, the IDBI Delight programme ensures every swipe earns you something back, making your card work harder for you.

The IDBI Delight program is IDBI Bank’s credit card rewards initiative. You earn reward points every time you pay bills, shop online, book travel, or use your card in stores. The programme rewards different spending categories with different point rates.

You can use the points for travel bookings, shopping vouchers, recharges, entertainment, and many other options. The programme helps you save money by giving value back on every spend. You can check your points, expiry dates, and offers anytime on the IDBI Delight portal.

How to Redeem IDBI Bank Credit Card Reward Points

Redeeming your IDBI credit card reward points is easier than you think. A few clicks on the Delight portal, and your hard-earned points can turn into vouchers, tickets, or even cashback.

You earn points on in-store purchases using your card. Online shopping also generates IDBI Credit Card Reward Points. Utility bill payments earn you additional rewards, too.

What You Can Redeem

Over 7,000 exciting rewards exist across categories. Mobile and DTH recharge options are available. Movie ticket bookings provide entertainment rewards. Air and bus ticket bookings reward travel. Hotel bookings offer accommodation rewards. Many other reward categories exist, too.

IDBI Credit Card Rewards Catalogue

Step inside the IDBI Delight Rewards Catalogue, your personal marketplace where every point counts towards shopping sprees, travel escapes, or entertainment indulgence.

The IDBI Delight Rewards Catalogue offers more than 7,000 exciting options to redeem your IDBI Credit Card Reward Points. You can explore categories such as:

• Travel: Redeem points for flight, train, or bus bookings.
   
• Entertainment: Book movie tickets or event passes.
   
• Shopping: Get e-vouchers, gift cards, and lifestyle products.
   
• Recharges: Use points for mobile or DTH recharges.
   
• Stay Bookings: Use rewards for hotel stays and holidays.

You can access the full rewards catalogue by visiting the official IDBI Delight portal or through the IDBI Bank website.

Tips to Maximise IDBI Credit Card Reward Points

Smart spending pays off;  with a few clever habits, you can double your IDBI credit card reward points, extend their life, and extract the best value from every purchase.

Always choose the card matching your spending pattern. If you mostly book travel and hotels, choose Euphoria. For everyday shopping, Winnings or Aspire works better.

• Always pay your credit card bills before deadlines. Late fees reduce the value of earned points. Good payment habits protect your IDBI credit card reward points.
   
• Use your card for utility bills and shopping. These categories often earn you bonus points regularly. Extra categories help increase your points balance faster.
   
• Redeem your IDBI credit card reward points before they expire. The three-year expiry rule means you must act. Don't wait until points pile up and disappear.
   
• Watch for special offers and promotional bonus events. Double points occasions help you earn more rewards. Birthday month bonuses double your IDBI credit card reward points.
   
• Choose redemption options that give you maximum value. Travel bookings may offer better value than merchandise. Gift cards often provide more savings than regular items.
   
• Some cards allow family members as add-on users. Points from the add-on cards club with main account. This helps you accumulate IDBI credit card reward points faster.

Follow these tips to maximise IDBI Credit Card reward points.

Conclusion

IDBI credit card reward points offer excellent value for regular users. Choose the right card based on your spending patterns. Pay bills on time to protect your rewards. Focus on high-earning categories like travel and utilities. 

Redeem points before they expire after three years. Track your balance regularly through net banking or statements. Use special promotions and birthday bonuses to earn more. With smart planning, you can maximise your IDBI credit card reward points. Start earning and redeeming rewards today for maximum benefits.

Bonus Tip: Track your IDBI credit card reward points regularly through the IDBI Delight Portal. Monitor your balance, check expiry dates, and explore redemption options. 

FAQs

Q1: How can I check my IDBI reward points balance?

You can check your points on the IDBI Delight portal or in net banking.

Q2: Can I transfer my IDBI credit card reward points to family members? 

A: No, but add-on cardholders can club points with the main account.

Q3: Do I earn points on fuel payments with IDBI credit cards?

No, fuel payments usually do not give reward points.

Q4: Can I convert my IDBI credit card reward points into cash? 

A: Yes, you can redeem points as cashback credits directly.
 

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.