LIC Lumine Credit Card by IDBI
LIC Lumine Credit Card by IDBI 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: Shopping
Estimated value per Rs 100 of eligible spend.
LIC Lumine Credit Card by IDBI Overview
LIC Lumine Credit Card by IDBI is a LIC Cards credit card. Base reward value is about Rs 0.75 per Rs 100 of eligible spend. Zlash uses the listed forex markup and fee facts when comparing this payment option.
Best For
LIC Lumine Credit Card by IDBI is positioned around Shopping spends.
Not Good For
- 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.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
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.
Zlash Verdict
Choose this card when shopping 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 Lumine Credit Card by IDBI?
The listed annual fee is Lifetime free.
What is LIC Lumine Credit Card by IDBI best used for?
LIC Lumine Credit Card by IDBI is positioned around Shopping spends.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.