Basic Information

Welcome Benefits Reward Points: 2,000 Reward Points on spending ₹10,000 within first 30 days, First EMI Cashback: 5% cashback up to ₹1,000 on first EMI transaction within 30 days, Merchant Offers: Offers worth ₹1,500+

Card Details Card Name: LIC Select Credit Card, Bank Name: IDFC FIRST Bank, Card Type: Co-branded Credit Card, Network: Issuer/card variant के अनुसार

Card Category Card Category: Premium / Select

Rewards Program

Reward Points LIC Insurance Premium: 10X Reward Points, Other Eligible Spends: 5X Reward Points, Essentials: 5X Reward Points on eligible Utility, Grocery, Railway, Education & Government payments, Essentials Cap: 600 Reward Points per month, Reward Value: 1 Reward Point = ₹0.25

Cashback First EMI Transaction: 5% cashback up to ₹1,000 within 30 days of card generation

Redemption Online Purchases: Available, Store Purchases: Available, LIC Premium Payment: Available, Redemption Platform: IDFC FIRST Rewards platform

Travel Benefits

Railway Lounge Railway Lounge: 4 complimentary visits per calendar quarter, Validation Charge: ₹2

Airport Lounge Domestic Airport Lounge: 2 complimentary visits per quarter, Spend Requirement: ₹20,000 minimum spend in previous month, Validation Charge: ₹2

Travel Offers Hotel Bookings: 45 bonus RP per ₹125, Flight Bookings: 20 bonus RP per ₹125, Monthly Bonus Cap: 8,000 RP, Platform: IDFC FIRST Mobile App Travel & Shop

Shopping Benefits

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

Offline Shopping Benefit: Reward Points can be used for store purchases

Brand Offers Welcome Merchant Offers: Offers worth ₹1,500+, Additional Offers: Merchant offers may vary

EMI Offers First EMI Transaction: 5% cashback up to ₹1,000 within first 30 days

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1%, Maximum Waiver: ₹300 per statement cycle, Eligible Transaction: ₹200 to ₹5,000

Dining & Entertainment

Dining Dining Discount: Up to 15% discount, Coverage: 300+ cities

Daily Spending Benefits

Utility Bills Reward: 5X Reward Points, Monthly Cap: 600 RP

Grocery Reward: 5X Reward Points, Monthly Cap: 600 RP

Rent Payments Reward Points: Not applicable on rental transactions

Insurance Payments LIC Premium Reward: 10X Reward Points, Eligible Platform: LIC official website, Maximum Eligible Payments: 5 LIC insurance premium payments per statement cycle

Education Reward: 5X Reward Points, Monthly Essentials Cap: 600 RP

Insurance & Protection

Insurance Personal Accident Cover: ₹5 lakh, Credit Shield: ₹50,000, Purchase Protection: ₹50,000, Travel Insurance: ₹4,000 each for loss/delay of checked-in baggage, flight delay and loss of passport/documents, Personal Air Accident Cover: ₹1 crore when ticket is purchased using the card

Card Security Card Liability Cover: ₹50,000, Coverage: Lost-card liability, counterfeit, skimming and online fraud protection, Condition: Subject to active-card conditions

Digital Features

Banking Features Mobile Banking: IDFC FIRST Bank mobile banking/app support

Add-on Features

Family Benefits Add-on Card: Available, Lounge Benefits: Railway/airport lounge benefit rules may be shared between primary and add-on cards

EMI Features EMI Conversion: Available, First EMI Cashback: 5% cashback up to ₹1,000 within first 30 days

Fees & Charges

Joining Charges Joining Charges: Nil

Annual Charges Annual Charges: Nil / Lifetime Free

Finance Charges Interest Rate: 0.75%–3.5% per month, Annual Interest Rate: 9%–42% p.a., Overdue Interest: 3.99% per month / 47.88% p.a.

Cash Advance Charges Cash Withdrawal Fee: ₹199 per cash withdrawal transaction, Interest Benefit: ATM cash withdrawal can remain interest-free up to the next due date as per applicable card benefit

EMI Charges EMI Conversion: Available, First EMI Cashback: 5% cashback up to ₹1,000 on first EMI transaction within first 30 days

Forex Charges Forex Markup: 3.5%

Other Charges Card Replacement Fee: ₹100, Reward Redemption Fee: ₹99 per redemption, Over Limit Charge: Applicable as per bank schedule

Customer Support

Service Customer Support: IDFC FIRST Bank customer support available

Emergency Services Roadside Assistance: Complimentary up to 4 times per year, Value: Worth ₹1,399, Services: Towing, jump-start/battery assistance and tyre-change assistance, Conditions: Subject to applicable terms

Performance & Ratings

Best Usage Best For: LIC premium payments, rewards, railway/airport lounge, fuel, dining, travel and everyday essentials

Advantages Lifetime Free: Yes, LIC Premium Rewards: 10X, Essentials Rewards: 5X on eligible spends, Airport Lounge: Domestic airport lounge access, Railway Lounge: Railway lounge access, Fuel: Fuel surcharge waiver, Insurance: Insurance protection, Roadside Assistance: Complimentary roadside assistance, Travel: Travel booking bonus rewards

Limitations Airport Lounge: Requires ₹20,000 previous-month spend, Essentials Rewards: Capped at 600 RP per month, Reward Exclusions: Fuel, rent, ATM cash withdrawals, non-LIC insurance and EMI transactions, LIC Premium Rewards: Restricted to eligible LIC official-website transactions