IDBI Winnings RuPay Credit Card 2025
Save more than ₹7,000 every year on UPI, shopping & travel with cashback & points!
For UPI users & daily shoppers, the IDBI Winnings RuPay Credit Card is a great entry RuPay card in 2025.
You get 2 Delight Points per ₹100 on all spends including UPI, 10% cashback up to ₹500 on first 90 days txns (min ₹500), 500 bonus points on 5 txns ₹1,000+ each/month, domestic/international lounge access, 1% fuel waiver, and ₹899 annual fee waived on ₹90K spend.
Points redeem for cash/vouchers – full UPI compatibility.
Why This Is The Best RuPay UPI Card in 2025?
2 points/₹100 including UPI • 10% welcome cashback • 500 bonus/month • Lounge access • Fee waiver easy • RuPay perks
Best for: UPI spenders, beginners, shoppers
Card At a Glance
Nil
₹899 (Waived on ₹90K spend)
2 Points/₹100 (0.5% value)
10% up to ₹500 (90 days)
500/month (5 txns ₹1K+)
Domestic + International
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | ₹899 (waived on ₹90K spend) |
| Welcome Benefit | 10% cashback up to ₹500 on txns ₹500+ (90 days) |
| Point Value | ₹0.25 (cash/vouchers) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.4% per month |
Detailed Reward Rates (2025)
- 2 Delight Points per ₹100 on all spends including UPI (no cap)
- Double points in birthday month
- 500 bonus on 5 txns ₹1,000+ each/month
- 1 Point = ₹0.25 redeem for cash, flights
- No points on fuel (but 1% waiver)
Airport Lounge Access
Complimentary domestic & international lounge visits (details via RuPay)
Subject to RuPay terms
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2 points/₹100 on UPI (0.5% value) | ₹899 fee if low spend |
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | ₹899 (waived on ₹90K spend) |
| Welcome Benefit | 10% cashback up to ₹500 (90 days) |
| Point Value | ₹0.25 (cash/vouchers) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.4% per month |
Detailed Reward Rates (2025)
- 2 Delight Points per ₹100 on all spends (no cap)
- Double points in birthday month
- 500 bonus on 5 txns ₹1,000+ each/month
- 1 Point = ₹0.25 redeem for cash, flights
- No points on fuel (but 1% waiver)
Airport Lounge Access
Complimentary domestic & international lounges via RuPay
Subject to terms
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2 points/₹100 everywhere (0.5%) | ₹899 fee if low spend |
| 10% welcome cashback | No unlimited lounges |
| 500 bonus/month | 3.5% forex |
| RuPay UPI full support | Low point value |
| Easy fee waiver |
Eligibility Criteria & Documents
- Age: 18–70 years
- Min income: ₹3 Lakh/year
- Good credit score (650+)
- Documents: PAN, Aadhaar, salary slip
How to Apply (2-Minute Process)
- Click “Apply Now”
- Enter mobile & PAN
- Upload docs
- Video KYC
- Card in 7 days
Final Verdict – Should You Get It in 2025?
If you use UPI ₹30,000+ monthly, this card gives ₹5,000–₹8,000 value yearly in points + cashback. Best RuPay UPI rewards card!
Frequently Asked Questions (FAQs)
10% cashback how?
On all txns ₹500+ in first 90 days, up to ₹500.
Bonus points?
500 on 5 txns ₹1,000+ each/month.
UPI works?
Yes, full RuPay UPI – points on all.