IDBI Limited, Regd. Office: IDBI Tower, WTC Complex, Cuffe Parade, – 400005.

Visit us: www.idbi.com International CARD USAGE GUIDE Dear Cardholder,

IDBI Bank welcomes you to the Winners league. Now stay one step ahead always in life with your `Winnings' Credit Card. Your Card has been CONTENTS efficiently designed to give you an edge over your compeer whenever you use your Card. Benefits at your disposal 3 With IDBI Bank `Winnings' Credit Card, always enjoy an extra convenience, security, and flexibility wherever you go! Other privileges 10 The power of your Credit Card has been carefully detailed in this usage guide. Please spare some of your valuable time to familiarize with the benefits, features and usage information to make the best use of your card. Know your Card 16 We wish you all the success in life. Using your card 17 Yours Sincerely, Taking care of your card 18 Know your Statement 20 Bill Payment options 21 Rony Jose Head -Credit Cards

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t o a an ds vail y its wher an W y innings e of . the 4 Benefits at your disposal Earn More while you Spend The `Winnings' Credit Card always gives you something extra. You will earn 2 Delight Points for every `100 spent on your card. So shop till you drop with your `Winnings’’ Credit Card and get irresistible Drive On offers from globally renowned brands redeemable against your Delight Points. Complete waiver* of 1% fuel surcharge every time you fill fuel using  Get welcome gift of 10% cash back on a single transaction above your IDBI Bank Winnings Credit Card across all fuel stations for `500/- done within 90 days of card receipt. transactions in the range of `400- `4000. So keep driving and enjoying with friends and family without worrying about the our disposal  You can also earn 500 more Delight Points with just 5 transactions our disposal surcharge. of value `1000 each per month.  Get double Delight points on your Birthday month. *Please Note: Maximum waiver of `400/- per month

Benefits at y The Delight points earned can get you exciting products and Benefits at y services. Please visit the IDBI Bank Loyalty Reward website Service tax will be applicable www.idbidelight.com for more details.

Please Note: No Delight points will be given on transactions performed in the following categories: Mutual Funds, Insurance, Govt. Payments, Education & Fuel.

5 6 Enhanced Insurance Cover

Death due to Personal Accident and Permanent Disability Accidental Death: Cover of `10.00 lakh in case of loss of life due to Wider Acceptance accident.

You can use your Winnings Credit Card for booking Permanent Disability: Cover of `10.00 lakh in case of permanent disability due to accident.

our disposal Air/IRCTC/Bus/Hotels/ Movie tickets or enjoying Dining, Shopping, our disposal Paying Utility Bills, Recharge, Fuel and much more at over 39.3 Criteria: million merchants and 1.88 million ATMS spread across