Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

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LIC IDFC FIRST Credit Cards

Secure your tomorrow, Live today

Accelerated rewards on LIC Premium payments, online and offline spends; Domestic airport lounge access and more!

A credit card that secures your tomorrow, while rewarding your today. This credit card offers supersized rewards on LIC premium payments and other daily spends. These rewards can be redeemed anywhere online, even to fund your next LIC premium payment. That’s not all, there are lifestyle privileges like airport & railway lounge access, road-side assistance and insurance covers.

At A Glance

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Welcome Onboard

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Joining Benefits worth ₹3,000+

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Rewards Program

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Up to 6X rewards

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Pay LIC insurance using Rewards & save up to 12% on premium

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Lifestyle privileges

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Dom. Airport & Railway Lounge access

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Road-side Assistance & Insurance covers

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Super-Saver features

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No Joining fee and Annual Fee

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Low & dynamic interest rate starting at 9% p.a.

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Interest free ATM cash withdrawals for up to 48 days

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LIC Classic Credit Card

Rewards Program

Rewards :

  • 6X Rewards on LIC Insurance Premium spends
  • 3X Rewards on Essentials (Grocery, Utilities, Railways, Education and Government payments) up to 300 RP per month
  • 3X Rewards on all Other spends

     

  • 1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25
  • Rewards earned on LIC IDFC FIRST Bank Credit Cards have a validity of 3 years.
  • 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/
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Privileges

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1 complimentary Domestic Airport Lounge access per quarter List of Lounges

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2 complimentary Railway Lounge access per quarter Know more

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Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month. *Applicable only on transaction values between ₹200 & ₹500

Benefits

1,000 Rewards on spending first ₹5,000 within 30 days of card generation

5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation

Flat ₹500 off on Domestic Flights booking on Yatra

Flat ₹500 off on purchases of ₹899 and above on MYGLAMM

Free 6 months PharmEasy Plus membership worth ₹399

Free 1-year Lenskart Gold Membership worth ₹500

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Insurance Covers

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Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000 valid on doing at least one transaction on LIC Classic Credit Card in last 30 days

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Purchase Protection Cover & Credit Shield Cover of ₹25,000 each

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Complimentary Roadside Assistance worth ₹1,399

Convenience

Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app

Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page

Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege* Eligibility norms apply*

Eligibility norms apply*

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Fees & Charges

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Lifetime Free

Zero joining fee and Zero annual fee

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Low interest Rates

Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)

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Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹199 per transaction)

Important Documents

Card Member
Agreement
Most Important Terms & Conditions
Product Usage Guide
Credit Card Basics

Frequently Asked Questions

Is there a Joining/ Membership/ Annual fee on LIC IDFC FIRST Bank Credit Cards?

There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.

How can I redeem the reward points that I have earned on my card?

You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.

Is there an expiry date on the reward points accrued on my LIC IDFC FIRST Bank Credit Card?

Your reward points have a validity of 3 years from the date when reward points are earned.

What are the offers available on LIC IDFC FIRST Bank Credit Cards?

LIC IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.

What is the interest rate on my credit card?

IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.

How do I generate my credit card PIN?

Net Banking

Pre Login:

  • Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Verify using the OTP sent on your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

Login:

  • Login to your Net Banking account
  • Select Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Your Credit Card PIN is set

Mobile Banking App

Pre-login:

  • Select browse icon from the right side top menu on login page
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

Login:

  • Login to Mobile Banking App
  • Access Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Your Credit Card PIN is set

Customer Care:

  • Dial our Customer Care and follow the instructions to generate the PIN
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

How are LIC IDFC FIRST Credit Cards different from normal Credit Cards?

LIC Co-branded credit cards offer exceptional rewards on LIC premium payments than a normal credit cards

I do not have a LIC Policy, Can I apply for LIC IDFC FIRST Credit Cards?

Yes

Where do I get my LIC IDFC FIRST Credit Card Statement?

Customer gets the credit card statement mailed as a pdf file. Also, one can have an overview of the statement in IDFC FIRST Bank mobile application.

What to do if I lose my LIC IDFC FIRST Bank Credit Card?

Customer needs to first block the credit card temporarily through mobile application or through customer care. Post that they can apply for replacement card again either from mobile application or through customer care.

Apply Now No Joining Fee | No Annual Fee