LIC IDFC FIRST Bank Credit Cards

The LIC IDFC FIRST Bank Credit Cards are a co-branded offering designed to reward LIC policyholders while providing everyday lifestyle benefits. Available in Classic and Select variants, these lifetime-free cards carry zero joining and zero annual fees, making them accessible and cost-effective. Cardholders enjoy low and dynamic interest rates starting at 8.5% per annum, along with interest-free ATM cash withdrawals for up to 45 days. The Select variant delivers an accelerated rewards program, offering 10X Reward Points on LIC insurance premium payments made through the official LIC India website, and 5X Reward Points on other everyday spends including groceries, utilities, railways, FASTag, and education. Travel enthusiasts can earn up to 40% bonus Reward Points on hotel bookings and 20% on flight bookings through the IDFC FIRST Mobile App, with points redeemable for future purchases or LIC premium payments. Beyond rewards, cardholders receive meaningful lifestyle and protection benefits, including two complimentary domestic airport lounge visits per quarter, four railway lounge accesses per quarter, a 1% fuel surcharge waiver, and comprehensive insurance covers such as a ₹1 Crore air accident cover, ₹5 Lakh personal accident cover, and complimentary roadside assistance. Welcome benefits include 2,000 bonus Reward Points and up to ₹1,000 cashback on the first EMI transaction within 30 days of card generation.