IDBI Bank Royale Signature

Nil-fee fuel-surcharge-only floor: 1% on ₹400–₹5,000 offline pump purchases; ₹500/month cap

How this estimate works

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.

One purchase per month

₹400 gives ₹48 annual relief, ₹1,000 gives ₹120, and ₹5,000 gives ₹600. Nil annual fee applies. ₹399 and ₹5,001 are outside the waiver range. Pay in full; interest and other charges can erase this relief.

Issuer sources

Named Royale Signature product: fees and fuel terms · Issuer Key Fact Statement: fees and fuel range/cap · Issuer MITC: account terms and fees

Checked 2 October 2026. Actual-account fee and surcharge confirmation recommended. Points and other benefits unpriced.