LIC IDFC Select Credit Card
LIC IDFC Select Credit Card from LIC Cards is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Lifetime free | Reward type: Reward Points | Best for: Travel, Shopping, Insurance
Estimated value per Rs 100 of eligible spend.
LIC IDFC Select Credit Card Overview
LIC IDFC Select Credit Card is a LIC Cards credit card. Base reward value is about Rs 0.05 per Rs 100 of eligible spend. Zlash checks boosted categories like insurance, grocery, utility bills along with caps and exclusions.
Best For
LIC IDFC Select Credit Card is most useful when your spends regularly fall into insurance, grocery, utility bills.
Rewards
insurance
10x the base reward rate.
grocery
5x the base reward rate.
Monthly cap: Rs 300
utility bills
5x the base reward rate.
Monthly cap: Rs 300
education
5x the base reward rate.
Monthly cap: Rs 300
travel
5x the base reward rate.
Monthly cap: Rs 300
partner brands
5x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, rental, cash withdrawals, emi transactions, non lic insurance payments.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 10,000.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when travel, shopping, insurance match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of LIC IDFC Select Credit Card?
The listed annual fee is Lifetime free.
What is LIC IDFC Select Credit Card best used for?
LIC IDFC Select Credit Card is most useful when your spends regularly fall into insurance, grocery, utility bills.
Does LIC IDFC Select Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, rental, cash withdrawals, emi transactions, non lic insurance payments.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.