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IDFC FIRST Bank

IDFC FIRST LIC Credit Card

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Annual Fee

Free

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹15,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

insurance5%

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸LTF co-branded with LIC India. Pay LIC premiums via this card to earn 5% back.
  • ▸1.5 RP/₹100 on all other spends (IDFC FIRST standard).
  • ▸No interest on EMIs when linked to LIC premium auto-payments.
  • ▸Best card for LIC policyholders keeping ₹5,000–₹50,000/year in premium payments.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹4,500

Effective Rate

0.4%

Ranked #111 of 173 cards#111

🏷️ Best For

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