IDBI Bank Royale Signature Credit Card

IDBI Bank · Lifetime free

A no-fee Visa Signature card with some lounge access.

What the bank says

• No joining, annual or renewal fee
• 3 Delight Points for every ₹100 spent
• 1 complimentary domestic lounge visit a quarter
• ₹25 lakh air travel accident cover
• 1% fuel surcharge waiver, up to ₹500 a month

Things that catch people out

• IDBI Bank states no rupee value for a Delight Point on this card’s page, so we do not rank it.
• Delight Points are not earned on the transaction categories IDBI Bank exempts.
• The page says the card is currently offered with no joining fee.

Joining fee: ₹0. Foreign currency markup: not published.

Read from IDBI Bank’s own page on 2026-09-30.

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