IDBI Bank credit cards

Seven individually verified issuer and named co-brand names. Additional coverage outside the frozen 401-name audit.

Royale Signature is scored only for a nil-fee fuel-surcharge floor. Aspire Platinum and Euphoria World remain directory-only.

Scored in the calculator

The named IDBI Royale Signature product and issuer Key Fact Statement agree on nil joining, annual and renewal fees and a 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹500 per month. The calculator assumes one eligible offline pump purchase of the entered principal amount each month repeated twelve times, with actual surcharge posting. It prices surcharge relief, not cashback on the fuel itself. Maximum relief in this path is ₹50/month or ₹600/year. No GST refund or minimum-surcharge uplift is assumed. Out-of-range purchases, online fuel and other categories give zero modeled benefit. Points, cashback conversion, welcome gifts, milestones, lounge access, insurance and other perks are unpriced, not absent. The issuer overview describes the point-to-cash conversion as "0.25 paisa", an ambiguous unit that is not silently translated into rupees. No point value is imported. Aspire Platinum remains directory-only because its named product range ₹400–₹4,000 conflicts with KFS ₹400–₹5,000. Euphoria World remains directory-only: its published annual fee ₹1,499 plus tax exceeds the fuel-only floor. No Imperium, Winnings or LIC co-brand terms are imported. Actual offer and account terms can vary; confirm your own account terms. This is a limited fuel-only floor, not a full card return.

Issuer-listed names

1. Aspire Platinum · directory-only; product/KFS fuel-range conflict
2. Royale Signature · limited fuel-only model
3. Euphoria World · directory-only; points and perks unpriced
4. Winnings RuPay Select · directory-only
5. Imperium Platinum · directory-only
6. LIC Eclat by IDBI · directory-only
7. LIC Lumine by IDBI · directory-only

Additional names and issuer conflicts

Winnings and Imperium are bound by their named IDBI product pages and the issuer Key Fact Statement. LIC Cards has named Eclat and Lumine by IDBI pages; the issuer KFS lists these variants too. These four names are directory-only. No alias merge, point value or new score is imported.

Winnings publishes a ₹899 standard annual fee and a fuel range of ₹400–₹4,000, while the KFS range is ₹400–₹5,000. Its fee exceeds the one-purchase fuel-only floor. The Imperium page's fuel paragraph names Aspire and states ₹300/month, while the KFS names Imperium with ₹400/month cap. No Aspire fuel terms are reassigned to Imperium. LIC Cards quotes ₹20 plus tax redemption fee for 1,000–4,000 points, no fee above 4,000, and cashback redemption availability; IDBI KFS quotes ₹99 per redemption for Eclat/Lumine. Neither fees nor the cash value are inferred across that conflict. Confirm actual account terms. These differences do not alter the existing Royale Signature fuel-only model.

IDBI named Winnings · IDBI named Imperium · LIC Cards named Eclat by IDBI · LIC Cards named Lumine by IDBI · Current issuer KFS

Source and freshness

Checked 2 October 2026. This is a verified subset, not the full IDBI range. Listing does not guarantee approval. The ambiguous point-conversion wording and Aspire fuel-range conflict are not converted into modeled returns.

Named Royale product · Issuer KFS · Issuer MITC · Issuer overview and point-conversion wording