Fees
Annual feeINR 1,499 + GST (from 2nd year)
Joining feeINR 0
Renewal feeINR 1,499 + GST (from 2nd year)
Fee waiverSpend INR 1,50,000 or more in a year
Interest rate2.9% per month (34.8% per annum (p.a.))
Late payment≤INR 500: Nil; INR 500-INR 5,000: INR 400; INR 5,001-INR 10,000: INR 500; INR 10,001-INR 20,000: INR 750; >INR 20,000: INR 950
Forex markup3.50%
Cash advance2.5% of transaction amount or INR 500, whichever is higher
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 6 - INR 9 lakh/year
Income requirementSalaried: INR 35,000 - INR 50,000; Self-employed: INR 6 - INR 9 lakh/year
Credit score700 - 750
Age range21 to 60 (65 for self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6 pts per INR 100 on Hotels, Airlines, IRCTC, Bus
Cashback %Delight pts redeemable as cashback
Cashback capRedemption fee: Nil; Min redemption: 1,000 pts
Redemption optionsCashback (direct), Gift Vouchers, Merchandise, Flights & Hotels, Bank's own online redemption store (idbidelight.com)
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year (12 per calendar year)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceYes
Hotel/flight offers0% - 5% (via Mastercard partner offers)
ConciergeYes (via Mastercard World)
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes - 1% waiver on INR 400-INR 5,000; max INR 500/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 10 lakh (bank max)
Cash withdrawal40% - 60% of credit limit
EMI optionsPost-purchase; Yes - available at select merchants (min INR 3,000)
EMI conversionPost-purchase
Min EMI amountINR 3,000
Balance transferYes
BT interest rate1.5% of BT amount (processing fee); normal interest applies
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability for fraudulent transactions reported within 48 hrs; covered up to INR 5 lakh (Royale/Euphoria); full card limit for Aspire/Imperium
Coverage detailsAir Accident Cover (INR 25 lakh), Lost Baggage / Delay, Travel Liability Cover
Digital & security
ContactlessYes
Virtual cardYes (via Go Mobile+ App)
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to EMI, Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card, Virtual Card View
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, ATM Withdrawal Toggle, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV + Expiry + OTP Combo, Instant Card Block Option, Zero Liability Guarantee, Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability if reported within 4-7 working days; Full liability if user delayed reporting beyond 7 days without valid reason
WhatsApp supportNo