CREDIT CARD ISSUER

LIC

LIC Cards Credit Cards

Q: How do I apply for a LIC Cards credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen LIC Cards card. You will be redirected securely to LIC Cards's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for LIC Cards credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on LIC Cards credit cards?

Many LIC Cards credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do LIC Cards credit cards support RuPay UPI payments?

Yes, LIC Cards issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

Compare LIC Cards credit cards across rewards, cashback, travel, lounge access and everyday spending.

Compare vs Rivals

Total Offerings

4 Active Cards

Fee Range

₹0 (LTF)

Payment Networks

Mastercard • RuPay

Zero Fee / LTF

Spend Waiver

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LIC CARDS PORTFOLIO

LIC Cards Credit Cards

Explore 4 active cards and filter them by how you spend.

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Showing 4 of 4 verified LIC Cards credit cards

Verified

4.4

LIC Eclat Credit Card by IDBI Bank

ShoppingAirport Lounge

BEST FOR

High-value LIC policyholders and IDBI Bank account holders seeking complimentary airport lounge visits, RuPay UPI convenience, and accelerated insurance reward earnings.

Annual Fee₹0 (Free)

Rewards4 Delight Points for every ₹100 spent on eligible transactions

Lounge Access8 Domestic visits/year

Forex Markup3.5%

Last verified 3 Oct 2026

rupay

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Verified

4.3

LIC IDFC Classic Credit Card

ShoppingAirport Lounge

BEST FOR

First-time credit card applicants and LIC policyholders seeking an accessible lifetime free RuPay card for UPI payments and insurance payments.

Annual Fee₹0 (Free)

Rewards6X RPs for LIC Spends & 3X RPs for Utilities, Education, Railway and Government Spends

Lounge Access4 Domestic visits/year · ₹20k monthly spend required

Forex Markup0% (Zero Forex)

Last verified 3 Oct 2026

rupay

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Verified

4.4

LIC IDFC Select Credit Card

TravelShoppingAirport Lounge

BEST FOR

LIC policyholders paying regular premiums who desire a lifetime free credit card with UPI payments and airport lounge access.

Annual Fee₹0 (Free)

Rewards10X RPs for LIC Insurance Spends. 5X RPs for Spends on Utilities, Education, Groceries, and Railways

Lounge Access8 Domestic visits/year · ₹20k monthly spend required

Forex Markup3.5%

Last verified 3 Oct 2026

rupay

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Verified

4.3

LIC Lumine Credit Card by IDBI

Shopping

BEST FOR

LIC policyholders, annual insurance premium payments, grocery shopping, and zero-maintenance financial security.

Annual Fee₹0 (Free)

Rewards3 Delight Points for every ₹100 spent on eligible transactions

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 3 Oct 2026

rupay

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COMPETITOR BENCHMARK

Compare LIC Cards vs Competitor Banks (2026)

Benchmark LIC Cards flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

LIC Cards vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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Why Choose LIC Cards Credit Cards?

Distinctive advantages of holding cards from LIC Cards

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

LIC Cards Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About LIC Cards Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a LIC Cards credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen LIC Cards card. You will be redirected securely to LIC Cards's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for LIC Cards credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on LIC Cards credit cards?

Many LIC Cards credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do LIC Cards credit cards support RuPay UPI payments?

Yes, LIC Cards issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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