lifetime-free
IDBI Royale Signature Credit Card
Lifetime-free entry-level card with quarterly lounge access and ₹25L air accident cover.
Annual Fee
₹0 (Lifetime-free)
Rewards
3 Delight Points/₹100
Lounge Access
1 domestic/quarter (Visa Domestic Lounge program)
Fuel Waiver
1% (₹400-5,000, ₹500/mo cap)
Milestone
None
Best For
First-time credit cardholders
Welcome Offer
750 DP (₹1,500+ txn/30 days) or 400 DP (31-90 days)
Type
Lifetime-Free/Shopping
Description
Earns 3 Delight Points per ₹100 spent, with no joining or annual fee for life. Includes 1 complimentary domestic lounge visit per quarter, ₹25L air travel accident insurance, and a 1% fuel surcharge waiver (capped ₹500/month). Zero lost-card liability. Ideal for first-time cardholders wanting a genuinely free starter card with basic travel perks.
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