Basic Information

Welcome Benefits All welcome benefits: 1,000 Reward Points on spending ₹5,000 within first 30 days; 5% cashback up to ₹1,000 on the first EMI transaction within 30 days; merchant offers worth ₹1,500+

Card Details Card Name: LIC Classic Credit Card, Bank Name: IDFC FIRST Bank, Card Type: LIC Co-branded Credit Card, Network: Mastercard, Network Variant: Classic

Payment Network master: Mastercard

Rewards Program

Reward Points Reward Rate: 6X on LIC insurance premium payments; 3X on Essentials up to 300 Reward Points/month; 3X on other spends, Reward Value: 1 Reward Point = ₹0.25, Reward Expiry: 3 years

Cashback Cashback Rate: 5% cashback on first EMI transaction, maximum ₹1,000, as welcome benefit, Cashback Limit: ₹1,000 on first eligible EMI welcome benefit, Cashback Categories: First EMI transaction within 30 days of card generation

Redemption Reward Redemption Options: Online purchases, merchant stores and LIC premium payment; flight/hotel bookings through IDFC FIRST Mobile App

Travel Benefits

Railway Lounge Railway Lounge Access: 2 complimentary railway lounge visits per quarter

Airport Lounge Domestic Airport Lounge: 1 complimentary domestic airport lounge visit per quarter, Lounge Spend Condition: ₹20,000 minimum monthly spend; previous months spend determines next months access

Travel Offers Travel Booking Offers: Flight/hotel bookings through IDFC FIRST Mobile App with bonus Reward Points

Forex Benefits International Offers: —

Shopping Benefits

Online Shopping Online Shopping Benefit: Reward Points can be redeemed for online purchases

Brand Offers Merchant Discounts: Merchant offers worth ₹1,500+ as welcome benefit

EMI Offers Merchant EMI: EMI conversion available on eligible transactions, No Cost EMI: —

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% fuel surcharge waiver, Fuel Cashback: —, Fuel Surcharge Waiver Limit: Up to ₹200/month; applicable on fuel transactions between ₹200 and ₹5,000

Lifestyle Benefits

Luxury Services Premium Experiences: —

Daily Spending Benefits

Utility Bills Electricity, Gas, Water, Mobile Recharge Cashback: 3X Reward Points on eligible utility payments; Essentials category capped at 300 Reward Points/month

Grocery Grocery Cashback: 3X Reward Points; included in Essentials category, cumulative cap 300 Reward Points/month

Insurance Payments Insurance Premium Rewards: 6X Reward Points on LIC insurance premium payments

Education Education Fee Rewards: 3X Reward Points; included in Essentials category, cumulative cap 300 Reward Points/month

Insurance & Protection

Insurance Air Accident Insurance: Personal Accident Cover ₹2,00,000, Purchase Protection: ₹25,000, Credit Shield Cover: ₹25,000

Card Security Lost Card Protection: Lost Card Liability Cover ₹25,000, subject to qualifying card usage, Fraud Protection: —

Extended Warranty Purchase Protection: ₹25,000 purchase protection cover

Digital Features

Payments Contactless Payment (Tap & Pay): —

Mobile Wallet Google Pay, Apple Pay, Samsung Pay Support: —

Banking Features Mobile Banking: Credit card management and EMI conversion through IDFC FIRST Mobile App

Add-on Features

EMI Features EMI Conversion: Eligible transactions can be converted into EMI through mobile app, Smart EMI: Instant EMI conversion available for eligible online transactions

Bill Payments Auto Debit Facility: Auto Debit/Standing Instruction facility available

Fees & Charges

Joining Charges Joining Fee: ₹0

Annual Charges Annual Fee: ₹0, Annual Fee Waiver: Lifetime Free / No annual fee

Finance Charges Interest Rate (Monthly/Annual): APR currently starts from 8.5% p.a.; actual rate is dynamic and customer-specific, Late Payment Fee: 15% of Total Amount Due, minimum ₹100 and maximum ₹1,300

Cash Advance Charges Cash Withdrawal Fee: ₹199 per transaction, Cash Withdrawal Limit: —

EMI Charges EMI Facility: Eligible transactions can be converted into EMI through mobile app; instant EMI conversion available for eligible online transactions, EMI Processing Fee: 1% of transaction value, minimum ₹99

Forex Charges Forex Markup Fee: 3.5%, Dynamic Currency Conversion Charges: Applicable DCC charges may apply

Other Charges Card Replacement Fee: ₹100; ₹149 for cards with image personalisation, Overlimit Fee: 2.5% of over-limit amount, minimum ₹550, Reward Redemption Fee: ₹99 per redemption transaction

Customer Support

Service 24×7 Customer Support: —

Emergency Services Emergency Card Replacement: Card can be blocked/replaced through mobile app or customer care

Performance & Ratings

Best Usage Best For: LIC Insurance Payments, Everyday Essentials, Rewards

Advantages Pros: Lifetime Free; 6X LIC premium rewards; 3X Essentials rewards; 3X other spends; airport & railway lounge access; fuel surcharge waiver; insurance protection; roadside assistance

Limitations Cons: Essentials rewards capped at 300 RP/month; reward program excludes fuel, rent/property management, non-LIC insurance, EMI and cash withdrawals; lounge access subject to spend/eligibility conditions