LIC Credit Cards

Welcome to the world of privileges and comforts. LIC Credit Cards are all set to make your spending convenient and rewarding.
With a range of 2 Cards loaded with benefits available to you, choose the one that suits your lifestyle and experience the difference.

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You can avail a world of premium and unmatched benefits with the credit cards offered by LIC. The list of cards includes travel cards, rewards cards, and premium lifestyle cards and they offer some of the best features on their respective categories.

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Refer & Earn Program – Send a Referral link to your friends via Sms, email or whatsapp and You will earn handsome rewards for your Referral.

Enjoy the world of exciting privileges and benefits with your LIC Platinum Credit Card.

It is a credit card that offers a powerful reward programme, fuel surcharge refund and complimentary insurance cover.

Special Features :

Powerful Reward Programme:

Get exciting PlusPoints Rewards programme designed to reward spends as follows:

2 Reward Points for Rs. 100 spent on LIC premium payments and international spends.

1 Reward Point for every Rs. 100 spent on all other categories

Insurance Cover:

Complimentary lost card liability insurance cover upto your credit limit.

3 Lac Personal Accident Cover and 1 Cr. Air Accidental Insurance

PA and Fraud Claims T&C

Fuel Surcharge Waiver:

1% fuel surcharge waiver at all fuel pumps across India (for transactions between Rs. 400 and Rs. 4000). Maximum benefits upto Rs. 400 per month

Eligibility :

Net income – Rs. 5 Lakh p.a. and above

Sourcing locations – 7 cities

Summary :

Eligibility CriteriaRs. 5,00,000
Interest-free Credit PeriodUp to 50 days
Photo or Signature CardNo
Reward Points – Accrual1 Reward Point for every Rs. 100 spent
Bonus Reward Points2 Reward Points on LIC premium payment and international spends.
Reward Points – RedemptionAs per applicable conversion rates in LIC Card Reward Points Catalogue
Complimentary Insurance CoverLost Card Insurance Cover of up to Rs. 50,000/-
Usage OffersOffers on select exclusive brands such as Matrix Cellular, Hertz Car Rental, Kaya Skin Clinic, VLCC etc. and Visa offers on BookmyShow.com, PizzaHut, HotelClub.com, etc.
Fuel Surcharge WaiverYes
Add-on CardsUp to 3
Cash Withdrawal FacilityYes

 

Enjoy the world of exciting privileges and benefits with your LIC Platinum Credit Card.

It is a credit card that offers a powerful reward programme, fuel surcharge refund and complimentary insurance cover.

Special Features :

Get exciting PlusPoints Rewards programme designed to reward spends as follows:

2 Reward Points for Rs. 100 spent on foreign currency and LIC premium payments

1 Reward Point for every Rs. 100 spent on all other categories

Insurance Cover:

Complimentary lost card liability insurance cover upto your credit limit.

With effect from July 13, 2013, Purchase Protection Cover has been introduced on the Signature Credit Card

5 Lac Personal Accident Cover and 1 Cr. Air Accidental Insurance

PA and Fraud Claims T&C

Fuel Surcharge Waiver:

1% fuel surcharge waiver at all fuel pumps across India (for transactions between Rs. 400 and Rs. 4000). Maximum benefits upto Rs. 400 per month

Airport Lounge Access:

Enjoy complimentary access to select airport lounges both within and outside India with your LIC Signature Credit Card

Airport Lounge Access Program

Eligibility :

Net income – Rs. 15 Lakh p.a. and above

Sourcing surrogate – under income surrogate only

Sourcing locations – 28 cities

Summary :

Eligibility CriteriaRs. 15,00,000
Interest-free Credit PeriodUp to 50 days
Photo or Signature CardNo
PlusPoints – Accrual1 PlusPoint for every Rs. 100 spent
Multiple Reward PointsDouble Reward Points on international spends and LIC premium payment
PlusPoints – RedemptionAs per applicable conversion rates in Axis Bank PlusPoint Catalogue
Complimentary Insurance CoverLost Card Insurance Cover of up to Rs. 500,000/-
Purchase Protection Cover of up to Rs. 1,00,000
Usage OffersOffers on premium brands such as Kimaya, Apple, Moschino, Edox, Tie Rack, Baume & Mercier, Air Charters and Yacht Services etc. and Visa offers on BookmyShow.com, Airport Lounge Access, Golf Offers, etc.
Fuel Surcharge WaiverYes
Add-on CardsUp to 3
Cash Withdrawal FacilityYes

 

Why Choose a
LIC Credit Card?

Annual Fee - Nil / Joining Fees- Nil / Add On Cards - Yes / Add On Cards Fees - Nil / Reward Points -All Categories - 1 Reward Point can be got for every Rs. 100 spent. Bonus Reward Points - LIC Premium Payments / International Purchases - 2 Reward Points can be got for every Rs. 100 spent.
LIC Credit Card Charges
Loans can be taken on a LIC credit card and can be repaid with flexible tenure options and low interest rates. LIC disburses loans without any hassles and customers do not have to submit any documentation while availing the loan. Rs. 500 of 1.5% is charged as the processing fee, depending on whichever is higher. When a loan is pre-closed, LIC imposes a foreclosure fee of 3% of the outstanding amount.
Loan on a Credit Card:
Any purchase transaction above a value of Rs. 2500 can be converted into a monthly installment and repaid at low interest rates. Customers have to place this request within 20 days of making the purchase. The interest rate charged here is 1.5% and the tenure options available range from 3, 6, 9 and 12 months. When the conversion is done, a processing fee of Rs. 150 or 1.5% will be charged by LIC Cards.
Conversion to EMI:
Any purchase transaction above a value of Rs. 2500 can be converted into a monthly installment and repaid at low interest rates. Customers have to place this request within 20 days of making the purchase. The interest rate charged here is 1.5% and the tenure options available range from 3, 6, 9 and 12 months. When the conversion is done, a processing fee of Rs. 150 or 1.5% will be charged by LIC Cards.
Fuel Surcharge Waiver:
Signature credit card users can enjoy complimentary lost card liability insurance for an amount up to their credit limit, up to a maximum of Rs.5, 00, 000. This lost card liability cover protects card users against any fraudulent transactions when their credit cards have been lost or stolen. The card holder is required to report the loss of credit card to the LIC Cards Customer Service, when he is in India or to the VISA Global Service helpline, if abroad. Once the card loss has been reported to the helpline, a replacement credit card would be sent within seven working days. The lost card liability insurance cover does not cover any ATM or internet transactions. Signature customers can also get purchase protection cover for an amount of Rs. 1, 00,000.
Insurance:
The PlusPoints Rewards program from LIC offers credit card users amazing rewards and multiple redemption options. This exceptional rewards program has been designed to provide the best rewards experience for customers. 2 rewards points can be got for every Rs. 100 spent on foreign currency transactions or on LIC premium payments. Other categories of credit card purchases earn customers 1 rewards point for every Rs. 100 spent and 1 PlusPoint for every Rs. 100 spent. Rewards points can be redeemed for various shopping vouchers or lifestyle products, according to the applicable conversion rates in the Axis Bank PlusPoint Catalogue. Every redemption request made by a customer comes with a handling charge of Rs. 30. LIC credit card customers have to collect a minimum of 1000 rewards points to initiate rewards redemptions.
Rewards Program:
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LIC CREDIT CARDS

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Conditions Apply: With effect from July 13, 2013, the Lost Card Liability Cover has been revised to Rs. 50,000

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