LIC Classic & LIC Select Credit Card

Rewards, as stated by the issuer

• 10X Rewards on LIC Insurance Premium
• 5X Rewards on Other Spends
• Earn Bonus 20% Reward Points on hotel bookings
• Earn Bonus 8% Reward Points on flight bookings​
• 10X Rewards on LIC Insurance Premium spends
• 5X Rewards on Essentials (Grocery, Utilities, Railways, FASTag, Education and Government payments) up to 600 RP per month
• 5X Rewards on all Other spends
• Earn up to 40% Reward Points on hotel & flight bookings through IDFC FIRST Mobile App Know More
• Effective 18th Jan’26. If you fail to pay at least the Minimum Amount Due by the Payment Due Date, Reward Points will not be applicable for that billing cycle. Any Reward Points credited for that cycle, if already posted, will be reversed.​
• 1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25
• By booking through IDFC First Mobile app, earn 45/₹125 Bonus Reward Points on hotel bookings & 20/₹125 Bonus Reward Points over and above your base rewards
• 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
• Up to ₹1,000 cashback on your first EMI
• Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*
• Earn Bonus Reward Points on booking flights and hotels via 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App
• Earn 20% Bonus Reward Points*
• on hotel bookings, over and above your usual Credit Card Reward Points
• Earn 8% Bonus Reward Points*

Other benefits

• Insurance Covers
• LIC Select Credit Card: Premium Insurance Benefits with Lifestyle Privileges
• Welcome Onboard
• Interest free ATM cash withdrawals for up to 45 days
• Road-side Assistance & Insurance covers
• Reward program not applicable on Fuel, Rental, Non-LIC Insurance spends, EMI transactions & Cash withdrawals.
• Rewards on LIC Insurance premium spends will be applicable only if Insurance premium is paid through LIC Of India’s official website i.e. https://licindia.in /
• Exciting merchant offers worth ₹1,500+
• This offer is applicable only on first EMI conversion within first 30 days of card generation.
• Eligible customers will receive cashback within 60 days of the offer end date.
• Offer is not applicable on EMIs processed for 3-month tenure.
• Personal Accident Cover of ₹5,00,000 and Lost Card Liability Cover of ₹50,000 valid on doing at least one transaction on LIC Select Credit Card in last 30 days
• Purchase Protection Cover & Credit Shield Cover of ₹25,000 each
• Complimentary Roadside Assistance worth ₹1,399
• Travel Insurance cover of ₹4,000 each on Loss or Delay of Checked-In Baggage, Loss of Passport & other documents and Delay in Flight
• Air Accident cover of ₹1 Crore
• Interest free cash withdrawals on Domestic and International ATMs for up to 45 days (Cash Advance Fee of only ₹199 per transaction)
• There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.

Welcome & milestones

Lounge access

Domestic: Accelerated rewards on LIC Premium payments, online and offline spends; Domestic airport lounge access and more! · 2 complimentary Domestic Airport Lounge access per quarter List of Lounges

Railway: Dom. Airport & Railway Lounge access · 4 complimentary Railway Lounge access per quarter Know more

Every fee line found on the page

• Joining Benefits worth ₹3,000+
• Fuel surcharge waiver of 1% , at all fuel stations across India, up to ₹300/month. *Applicable only on transaction values between ₹200 & ₹5000
• Zero joining fee and Zero annual fee
• Low & Dynamic Interest rates starting at 9% per annum*
• Interest free cash withdrawals on Domestic and International ATMs for up to 45 days (Cash Advance Fee of only ₹199 per transaction)
• Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
• IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 9% to 42% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
• Cash Advance Fee of only ₹199 is applicable per transaction, irrespective of where you are or the