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IDBI Bank Credit Card Reward Points

Shopping, paying utility bills, taking in a movie or play at the nearby theatre, or buying groceries – there is a whole lot you can do with your credit card. A credit card is a facility offered by banks and other financial institutions to facilitate quick purchases and pay for them later. A credit card eliminates the need to carry large amounts of cash. It also proves useful in emergencies such as accidents when you may have to remit a big amount to a hospital. IDBI lets you earn reward points each time you make a purchase using your credit card. Once you have accumulated a certain number of points, you can redeem them in exchange for a variety of gifts. Here is how the scheme works.

How do I earn reward points under the IDBI Credit Card Reward Points programme?

As a credit card holder, you can earn reward points depending on the type of card you have. The points are automatically credited to your rewards account each time you make a purchase of a certain minimum value. You can check your reward points balance through various channels including mobile, website, and phone banking. IDBI calls their reward points as ‘Delight Points’. You can use Delight Points and get discounts against airline or hotel bookings, purchasing movie tickets, and so on. The points are valid for a period of 3 years since they are accrued, so make sure to use them before the date of expiry.

You cannot use Delight Points for withdrawing cash from an ATM, purchasing Mutual fund, Insurance, or any other financial instruments nor can you can make any payments to Government, educational institutions or other political parties. In short you cannot use your IDBI reward points as a payment gateway.

You can however, select products from an approved list and pay for them using Delight Points.

How should I redeem reward points earned on my IDBI Bank credit card?

IDBI requires that you have a minimum of 1000 reward points in your account before you can redeem them. In case you are unable to accumulate the minimum required points, you can still redeem the accumulated points and pay cash against the remaining required points for your selected product.

You can use any of the following modes to redeem your IDBI credit card reward points:

1. Online Reward Points Redemption.

  • Visit the official website of the bank.
  • Activate your account if you have not already done so.
  • Then use your Customer ID – generated after the registration process – to login to your account.
  • Having logged into your account, select the Redemption Form and fill out the necessary details.
  • Pick an item from the redemption catalogue which you would like to purchase against your IDBI credit card reward points.
  • In case you are falling short of points, you can pay the cash equivalent of the remaining points and still make your purchase.
  • The selected item will be delivered to the address registered with the bank under your customer id.

2. Reward Points Redemption at Max Get More stores

IDBI customers can use their credit cards to purchase from wide variety of apparel, electronics, and jewellery or avail health services at Max Get More stores to earn extra Delight Points. Redemptions can also be done at the following stores.

AccessoriesLotto / Regal / Rocia
ApparelLouis Philippe / Classic Polo/ Reliance Trends / Lifestyle / Pothys / Colorplus
ElectronicsPai / Capital
EntertainmentEssel World / Water Kingdom
F&BDomino’s Pizza / Natural Ice Cream
Departmental StoresStar Bazaar / Vijetha
Health / BeautyO2 Spa / Enrich Salon
OnlineNaaptol / Payumoney / Peperone
TravelCitrus Hotels / Goibibo / Ezeego / Narayani Heights
LifestyleGRT / Puma / Newu /
RetailBabypye / Mahaveers / Babyoye / Vishal

3. Reward Points Redemption via customer care desk

You can redeem your IDBI Credit Card Reward Points by calling the IDBI customer care number any time between 9 AM to 6 PM on any week day except Sunday. Let the customer care executive know your requirement to help you through the redemption process.

Whichever mode of redemption you choose; you will get an Order ID which you can use to track your request and delivery of the selected item.

In case you wish to change the delivery address, just call the customer care number or visit the bank website. You can also walk into any branch of IDBI Bank and follow the procedure for changing your registered address.

IDBI Delight Points Programmes

As mentioned earlier, the number of Delight points you can earn varies with the type of card you hold. Here is a comprehensive list of the different type of cards and the points you can earn on them.

Credit Card TypeDelight PointsWelcome Bonus PointsPoints on your Birthday Month
Royale Signature Credit Card3 points for every Rs. 100 spent.

Within 30 days of card issuance=750 Points

Within 31 to 90 days of card issuance =400 Points

2X Points
Euphoria World Credit Card

3 points for every Rs. 100 spent.

2X Points on Travel related expense.

4000 points within a month of issuing credit card.2X Points
Aspire Platinum Credit Card2 points on every Rs. 150 spent

Within 30 days of card issuance =500 points

Within 31 to 90 days of card issuance =300 points

2X Points
Imperium Platinum Credit Card2 points earned for every INR 150 spent.

Within 30 days of card issuance=500 points

Within 31 to 90 days of card issuance =300 points

2X Points

You can redeem your IDBI Credit Card Delight Points against the following products -

  • Mobile Recharge
  • DTH Recharge
  • Movie Ticket Bookings
  • Bus Ticket Bookings
  • IDBI Bank Gift Cards
  • Flight Ticket Bookings
  • Hotel Bookings
  • Online rewards catalogue - 7000+ rewards
  • Cashback to the customer’s credit card account

Terms and Conditions for IDBI Reward Points

The following are the highlights of the terms and conditions for IDBI Reward Points. Though the list is not comprehensive – visit the official website for complete details – it does hit upon the most important terms.

  • Joining Fees & Annual Membership fees are applicable on IDBI credit cards.
  • Joining Fees may vary depending on what is currently on offer and the type of card.
  • IDBI also charges a transaction fee for every transaction using the credit card.
  • Certain other charges may also be applicable as per regulations from time to time for certain services.
  • The holder’s car limit and withdrawal limit will be determined at the sole discretion of the bank.
  • Cardholders are eligible for the reward point programme only as long as their Credit Card accounts and all linked accounts are valid and no amount overdue.
  • IDBI Bank may at its discretion, cancel the limit granted on the credit card account or credit card without assigning any reason to the customers.
  • The death or incapacitation of any Card member, insolvency / dissolution / bankruptcy / or winding up of a Corporate Body shall automatically cancel the card issued to the Card member as well as any Add-on Cards.
  • The bank assumes that the card holders have read and accept all the terms and conditions once the offer is accepted.

Frequently Asked Questions

1. If my Delight Points are shown incorrectly in my account, what should I do?

Delight points are credited within 48 hours or 2 working days of the transaction. We recommend waiting for 2 days before taking any action. If your IDBI Credit Card Reward Points are not credited within 2 days, you can either call the customer care number or drop an email. You can get the customer care number and email id from the bank website.

2. Are we eligible to earn Delight Points on all transactions?

No. Delight Points are not awarded for transaction performed in the following categories: ATM cash withdrawal, Money Changers, Mutual fund, Insurance, Government payments, Education, Passenger railway and Fuel. No reward points will accumulate on transaction with merchants who are not registered with IDBI bank.

3. Is there any expiry period for the Delight Points that are earned?

Yes. Delight Points earned in a particular month will expire after three years. For Example, Delight Points earned in January 2017 will expire on 1st February 2020.

4. In case I don’t have sufficient Delight Points to get the rewards, then can I pay in cash for the balance?

Yes, you can pay for the gifts in cash in case you fall short of reward points. However please note that you cannot purchase the gifts by paying the entire amount in cash.

5.What happens if the points are redeemed but the transaction fails to succeed for some reason?

This situation is highly unlikely. However, if it does occur, your IDBI Credit Card Reward Points will be credited back to your account within an hour. You can then redeem them through normal channels. In case you have paid partly in cash, the amount paid will be transferred back to your credit card within 7 working days of the transaction.

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