IDBI Royale Signature Credit Card 2025
Save more than ₹8,000 every year on shopping, travel, dining & fuel with simple rewards!
If you want a simple, rewarding card for daily spends, the IDBI Royale Signature Credit Card is one of the best entry-level options in 2025.
You get 3 Delight Points per ₹100 on all spends (worth 0.75% cashback), 750 welcome points on first transaction, 8 domestic lounge visits, 1% fuel waiver up to ₹500/month, ₹25 Lakh air accident cover, and the card is often offered Lifetime Free with no joining/annual fee.
Points redeem for cash, vouchers, flights – no expiry, easy use.
Why This Is The Best Entry Rewards Card in 2025?
3 points/₹100 everywhere • 750 welcome points • 8 lounges • 1% fuel waiver • Often LTF • ₹25L insurance
Best for: Beginners, shoppers, travelers, fuel users
Card At a Glance
Nil (Often LTF)
Nil (Lifetime Free)
3 Points/₹100 (0.75% value)
750 bonus
8 Domestic/year
1% up to ₹500/month
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (often LTF) |
| Annual Fee | Nil (Lifetime Free) |
| Welcome Benefit | 750 Delight Points on first ₹1,500 spend |
| Point Value | ₹0.25 (cash/vouchers) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 2.5% per month |
Detailed Reward Rates (2025)
- 3 Delight Points per ₹100 on all spends (no cap)
- 1 Point = ₹0.25 redeem for cash, flights, vouchers
- 750 bonus on first ₹1,500 spend (within 30 days)
- No points on fuel (but 1% waiver)
- Points never expire
Airport Lounge Access
8 complimentary domestic lounge visits per year (2 per quarter)
No spend requirement
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 3 points/₹100 everywhere (0.75%) | Low reward value ₹0.25/point |
| Often 100% Lifetime Free | No international lounges |
| 8 domestic lounges | 3.5% forex markup |
| ₹25L air accident cover | Basic insurance only |
| 1% fuel waiver |
Eligibility Criteria & Documents
- Age: 21–60 years
- Min income: ₹4 Lakh/year
- Good credit score (700+)
- Documents: PAN, Aadhaar, salary slip
How to Apply (2-Minute Process)
- Click “Apply Now” button
- Enter mobile & PAN
- Upload documents
- Video KYC
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹50,000+ monthly, this card gives ₹6,000–₹10,000 value yearly in rewards + lounges/fuel savings. Best LTF entry card for rewards & travel!
Frequently Asked Questions (FAQs)
Welcome points how?
750 on first ₹1,500 spend within 30 days.
LTF confirmed?
Yes, often offered Lifetime Free.
Fuel waiver?
1% up to ₹500/month on ₹400–₹5,000 txns.