IDBI Euphoria World Credit Card

Lounges with no stated spend target, for ₹1,499

• 12 complimentary domestic lounge visits a year, with no spend condition stated.
• ₹0 to join, then ₹1,499 + GST a year from year two, waived if you spend more than ₹1.5 lakh.
• Easiest to get if you already bank with IDBI; users say it is hard otherwise.

That combination is why Reddit calls it underrated. After most banks tied lounge visits to quarterly spend targets, a ₹1,499 card with 12 visits and no stated spend gate stands out.

12 visits, not unlimited

Many threads and roundups describe Euphoria's lounge access as unlimited. IDBI's page, as we checked it in October 2026, says 12 complimentary domestic visits per calendar year on Mastercard. Plan around 12, and note that they reset each January, not on your card anniversary. No international lounge access is listed.

The other lounge catch is the list itself. Users say the Mastercard lounges this card covers leave out some popular ones, such as the 080 lounge at Bengaluru T1 (4 threads). Check the lounges at the airports you actually use before you apply.

Users also report that add-on cardholders get domestic lounge access with no spend requirement, which makes the card popular for parents or a spouse. Whether add-on visits come out of your 12 is not in our record, so confirm with IDBI.

What a ₹2 lakh year earns

All rates are per ₹100:

• Travel-related spends: 6 Delight Points. IDBI does not define the category in our record; users mention flights, hotels and IRCTC.
• Everything else: 3 points, except exempted categories.
• Bonuses: 500 points on activation, 750 on your first ₹5,000, 1,500 at ₹2 lakh of annual spend and 2,000 at ₹4 lakh.

Put ₹50,000 of travel and ₹1.5 lakh of other spends on it in a year and you earn 3,000 plus 4,500 points, then 1,500 at the ₹2 lakh milestone: 9,000 points, before the 1,250 welcome points. The same ₹2 lakh clears the fee waiver. IDBI gives no point value in our record, so we do not convert that to rupees.

You also get ₹25 lakh of air accident cover and a 1% fuel surcharge waiver up to ₹500 a month.

Getting the card is the hard part

Five threads describe the application as the main obstacle: online applications rarely go through without an IDBI relationship, and a branch visit is often needed. Existing savings account holders find it much easier, and some say IDBI offered them the card lifetime free. If you go to the branch, ask about LTF terms and add-on lounge rules in the same visit. IDBI's app and online servicing are also described as dated.

Should you apply for Euphoria World?

Yes, if you bank with IDBI, fly domestic a few times a year from airports where its lounges work, and want visits without tracking spend. If you travel a lot and want miles and wider lounge networks, users point to the Axis Atlas instead. If you want a free IDBI card, IDBI Royale Signature gives 1 lounge visit a quarter at no fee.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva