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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!

Apply Now
Earn Supersized Rewards | Redeem for upcoming LIC Premium 
Welcome benefits worth ₹3,000
Lifestyle Privileges and Covers for peace of mind Premium 
Apply Now No Joining Fee | No Annual Fee

Apply for Credit Card Online - Select the Ideal Card to Suit Your Lifestyle

Welcome to IDFC FIRST Bank, where finding the right credit card is effortless. We understand that every individual has unique financial needs, which is why we offer a wide selection of credit cards designed to suit various lifestyles and preferences. Choose from a variety of credit cards that offer never-expiring reward points, cashback, travel benefits, and much more. The application process is seamless—apply for a credit card online and get instant approval. With IDFC FIRST Bank, you can apply for a credit card that not only meets your needs but also provides the flexibility and benefits to support your financial journey. Discover your ideal credit card now.

LIC Classic LIC Select

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

Welcome Onboard

Joining Benefits worth ₹3,000+

Rewards Program

Up to 6X rewards

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

Lifestyle privileges

Dom. Airport & Railway Lounge access,

Road-side Assistance & Insurance covers

Super-Saver features

No Joining fee and Annual Fee

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

Interest free ATM cash withdrawals for up to 48 days

LIC Classic Credit Card

Rewards Program

Rewards :

  • 6X Rewards on LIC Insurance Premium spends
  • 3X Rewards on Essentials such as Grocery, Utilities, Railways, Education and Government payments. Up to 300 RP per month
  • 3X Rewards on all Other spends (except Fuel, Rental, ATM Cash, Non-LIC insurance & EMI transactions)

Savings :

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  • 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/
    • Click here for more details

Privileges

1 complimentary Domestic Airport Lounge access per quarter

2 complimentary Railway Lounge access per quarter

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

Click here for more details

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

Click here for more details

Insurance Covers

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

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

Complimentary Roadside Assistance worth ₹1,399

Click here for more details

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*

Click here for more details

Login to LIC IDFC FIRST Referral Dashboard

Login

Fees & Charges

Lifetime Free

Zero joining fee and Zero annual fee

Low interest Rates

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

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

View all fees and charges

OVL Charges –

2.5% of the over-limit amount subject to a minimum charge of ₹500​

Late Payment Fee -

15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)​

Forex Markup

at 3.5% for all international transactions

Click here for more details

Get added benefits on Flight and Hotel bookings

Unlock amazing benefits with the IDFC FIRST Mobile Banking app

  • Say goodbye to convenience fees on all flight bookings (no conditions)
  • Earn 20 bonus Reward Points on every ₹100 spent on hotel booking
  • Exclusive deals enjoy attractive airfares and hotel prices
Download the app

Scan the QR Code to get started!

How to book your flight and hotels

Step 1

Login to IDFC FIRST mobile banking app

Step 2

Visit Travel and Shop

Step 3

Click flight or hotel booking

All IDFC FIRST Bank Credit cards now come with Zero forex markup

Apply Now

*Excluding certain Co-brand Credit Cards.

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 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 an LIC policy. Can I apply for the LIC credit card?

Yes

Where to get my IDFC FIRST LIC 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 IDFC FIRST LIC 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.