shopping
LIC IDFC Classic Credit Card
Entry-level IDFC LIC card earning 6X rewards on premiums with quarterly lounge access.
Annual Fee
₹0 (Lifetime-free)
Rewards
6X RP on LIC premiums (₹125 spend); 3X on utilities/education/groceries/government/railways
Lounge Access
1 domestic/quarter + 2 railway/quarter
Fuel Waiver
1% (up to ₹200)
Milestone
None
Best For
LIC policyholders wanting an entry-level free card
Welcome Offer
1,000 RP on ₹5,000 spend within 30 days + Lenskart Gold + PharmEasy Plus membership
Type
Shopping
Description
The entry-level counterpart to LIC IDFC Select, issued by IDFC First Bank, earning 6X reward points on LIC premium payments and 3X on utilities, education, groceries, government and railway spends. No joining or annual fee. Includes 1 domestic lounge visit and 2 railway lounge visits per quarter (on ₹5,000 prior-month spend), a 1% fuel surcharge waiver, and comprehensive insurance. Welcome offer: 1,000 reward points on ₹5,000 spend within 30 days, plus Lenskart Gold and PharmEasy Plus memberships.
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