LIC Cards Services Limited (LIC-CSL) and IDBI Bank recently announced the launch of two new RuPay Credit Cards. These credit cards will be officially known as the LIC CSL 'Eclat' Select Credit Card and 'Lumine' Platinum Credit Card. As per the announcement, these credit cards will allow credit cardholders access to a wide variety of new benefits that are expected to be the best in class.

Here, we will highlight some of the details of these credit cards and also share information on other credit card offerings by LIC.

What are the benefits of the newly launched LIC credit cards?

LIC and IDBI bank have together launched an innovative credit card product that offers a range of benefits to their customers. The focus of the benefits offered by these cards is on health, entertainment, travel, and also LIC reward points. The main objective of the card providers here is to elevate the credit card experience and make it holistic for cardholders.

  • Who can apply for the LIC IDBI RuPay credit cards?

Only select demographic customers can apply for these newly launched credit cards. LIC policyholders, agents, and employees of LIC India can apply for these credit cards. Employees of LIC’s subsidiaries such as LIC Housing can also apply for the co-branded cards.

  • What is the card limit?

LIC Lumine and Eclat credit cardholders will be allowed a credit limit customised to their needs. With every Rs. 100 worth of spend on the Lumine card, a cardholder gets 3 'delight' points. For the Eclat card, cardholders will earn 4 points. The cards come with a validity of 4 years and an interest-free credit period of up to 48 days.

Customers who pay towards the renewal or premium of a LIC insurance policy will receive two times the reward points on these cards.

Additional Reading : LIC Credit Card Reward Points

What are the fees on LIC Credit Cards?



Free Credit Period

Maximum of 50 days

Fees on Revolving Credit and Cash Advance

3.25% p.m. (46.78% yearly)

Cash Withdrawal Fee

2.5% of the amount withdrawn (min. Rs. 500)

Cash Payment Fee

Rs. 100

Late Payment Fee

For outstanding balance up to Rs. 100- Nil
For balance from Rs. 101 to Rs. 300- Rs. 100
For balance from Rs. 301 to Rs. 1,000- Rs. 300
For balance from Rs. 1,001 to Rs. 5,000- Rs. 500
For balance from Rs. 5,001 to Rs. 10,000- Rs. 600 For the balance of Rs. 10,001 and above- Rs. 700

Fee for cheque bounce or auto-debit reversal

2% of the amount withdrawn (min. Rs. 450)

Foreign Currency Mark-up Fee

3.5% of the transaction amount


What are the Eligibility Criteria for LIC Credit Cards?

There are certain eligibility criteria set by LIC for accepting credit card applications. The applicant’s credit score, age, monthly income, location etc. are considered while applying for a LIC credit card. To apply for a LIC credit card, an applicant should be at least 18 years of age and should either be a LIC agent or an existing LIC policyholder.

  • What is the Income Requirement for LIC Credit Cards?

Credit Card

Annual Income (in Rs.)

LIC Gold Credit Card

1.8 Lakhs

LIC Platinum Credit Card

3 Lakhs

LIC Titanium Credit Card

5 Lakhs

LIC Signature Credit Card

15 lakhs

What are the Documents Required to apply for LIC credit cards?

Identity Proof

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI

Address Proof

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement

Income Proof

Latest salary slip (not older than 3 months), Latest Form 16, Last 3 months’ bank statement


How to apply for LIC Credit Cards?

A LIC policyholder can apply for a credit card by visiting the nearest LIC branch. Here are some of the important points to note on application:

  • Before applying for a credit card, an applicant should compare different credit card options and opt for a card that meets individual requirements
  • An applicant can download the LIC credit card application online and print it before submitting a filled application at the branch
  • It is important to attach the latest photograph of the applicant on the form and cross-sign it
  • Submit the filled form at a LIC branch along with the necessary documents. Upon applying, a receipt is provided to the applicant. 

How to check my LIC Credit Card Application Status?

Post application and upon approval, the LIC credit card is delivered to the mailing address of the applicant within 21 working days. An applicant can also check the LIC credit card application status by calling the LIC credit card customer care number or by visiting the nearest LIC branch.

One can also check the credit card application status by calling the LIC customer care number. The steps to be followed are mentioned below:

  • Call the credit card customer care toll-free number at 1800 22 6606
  • Follow the IVR instructions and request to be connected to a customer service representative
  • The applicant should then provide the application number as allotted during the application submission
  • The customer care executive will provide the latest status of the application


LIC’s credit card in association with IDBI is slated to be one of the most sought-after credit cards considering the numerous benefits it offers. Credit card users can make the most of these co-branded credit cards depending on individual needs. 

LIC Credit Card FAQs

  1. Can anyone apply for a LIC credit card?

LIC credit cards are offered only to LIC agents or LIC policyholders. Applicants who do not form part of these categories will have to get a LIC policy to avail of the LIC credit card.

  1. How can I check my LIC credit card balance?

Customers can log onto the LIC website and check their credit card balance by registering on the website. A User ID and password is generated upon registration, post which, one can check the credit card balance at any time.

  1. How can I block my LIC credit card?

To block a LIC credit card, you must contact LIC's dedicated credit card customer care toll-free number at 1800 233 1100. This number can also be reached for any issues or concerns relating to your credit card. 

  1. Can I spend more money than my credit card limit?

If you want to spend more than your available credit card limit, you can request a temporary increase in your credit limit by 30% of the available credit limit.

  1. What if I lose my LIC credit card?

In case you have lost your LIC credit card, you must hotlist it by calling the customer care number at 1800-22-6606. Those who are residing outside India can get the card hotlisted by calling the Visa call centre number +1-303-967-1096.