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About LIC Credit Card

LIC credit cards bring you exclusive privileges and benefits. These cards are adorned with excellent features, elite rewards program, benefits on payment of LIC premiums, retail transactions, international expenses, Visa and MasterCard privileges, fee waivers, insurance covers and more.

 

With such a wide range of features and benefits spread across categories such as dining, lifestyle, health, entertainment, shopping and so on, the LIC Credit Cards help make your purchases seamless. You can opt for an LIC Credit Card that is best suited to cater to your financial needs. 

Top LIC Credit Cards

If you are wondering which type of LIC Credit Card you must choose, then the good news is that there is an LIC Credit Card available for different types of customers. The following table highlights the various types of LIC Credit Cards that you can choose from:

Type of LIC Card

Suitable for

Salient Features

LIC Gold Credit Card

Individuals who earn more than ₹1.8 Lakh per annum

  • No annual card fee

  • No replacement fee for stolen card

  • Excellent PlusPoint Rewards on the usage of the card

LIC Titanium Credit Card

Individuals who earn more than ₹3.0 Lakh per annum

  • No annual card fee

  • No replacement fee for stolen card

  • 1.0% fuel surcharge waiver at fuel pumps across the country

  • Excellent PlusPoint Rewards on the usage of the card

  • Exciting offers on shopping at Reliance Trends, Clipper Lounge, etc.

LIC Platinum Credit Card

Individuals who earn more than ₹5.0 Lakh per annum

  • No annual card fee

  • No replacement fee for stolen card

  • 1.0% fuel surcharge waiver at fuel pumps across the country

  • Excellent PlusPoint Rewards on the usage of the card

  • Exciting offers on shopping at VLCC, PizzaHut, Bookmyshow.com, etc.

LIC Signature Credit Card

Individuals who earn more than ₹15.0 Lakh per annum

  • No annual card fee

  • No replacement fee for stolen card

  • 1.0% fuel surcharge waiver at fuel pumps across the country

  • Offers and privileges on travel, dining, and lifestyle spends

  • Excellent PlusPoint Rewards on the usage of the card

  • Exciting offers on shopping at Apple, Kimaya, Baume and Mercier, etc.

Features of LIC Credit Cards

LIC credit cards are equipped with numerous features and benefits. Here is a quick look at some of its features:

  • Hassle-free EMI conversion

If the transaction made on any purchase is above ₹2,500, it can be converted into equated monthly instalments paid back at a lower rate of interest. You would have to request for an EMI conversion within 20 days of your purchase. 

  • Add-on card facility

You can get up to three add-on LIC credit cards for your loved ones such as parents, spouse, siblings, and children aged below 15. 

  • Waiver on fuel surcharge

With the LIC credit card you can get a 1% waiver on fuel surcharge at petrol pumps across the country. This generally applies to transactions that range between ₹400 and ₹4,000. 

  • Insurance cover

If you hold an LIC Signature credit card, you can get liability insurance if your card is lost. The amount that you can receive as liability insurance will be up to your credit limit i.e., ₹5,00,000. This insurance cover will safeguard you against unauthorised transactions. 

  • Balance transfer

LIC allows you to transfer any balance on your other credit cards to the LIC credit card at exciting interest rates. You can opt for a plan that suits your requirements from two different plans that LIC offers.

Features & Benefits of Top LIC Credit Cards

Given below are some of the top LIC Credit cards:

1. LIC Platinum Credit Card

  • Up to ₹3 Lakh on personal accident cover

  • Air accidental insurance of up to ₹1 Crore

  • 2 reward points on every ₹100 spent, except on fuel, wallet load and EMI payments

  • Waiver on fuel surcharge of up to 1% on payments that range between ₹400 and ₹4,000

2. LIC Gold EMV Credit Card

  • Up to 3 add-on cards

  • Waiver on annual, renewal and joining fee

  • Personal Accident coverage of ₹1 Lakh

  • Up to 10% of the credit’s limit can be withdrawn as cash. 

  • 1 reward point on every ₹150 spent through the card

3. LIC Titanium Credit Card

  • 1% waiver on fuel charges at petrol stations throughout the country

  • 1 reward point every time you spend ₹100, except on wallet load, EMI payments and fuel

  • Complimentary liability cover for lost cards

  • 2 points on spending ₹100 on foreign currency and payment of LIC premiums

4. LIC Signature Credit Card

  • Complimentary airport lounge access

  • 1% waiver on fuel charges 

  • Free liability cover for lost cards 

  • Air accident cover of ₹1 Crore

  • Personal accident insurance of ₹5 Lakh

  • Benefit of Purchase protection cover 

  • 2 points every time you spend ₹100 on payment of LIC premiums and foreign currency 

  • 1 reward point on spending ₹100, except on EMI payments, wallet load, and fuel

5. LIC Platinum EMV Credit Card

  • No renewal, annual or joining fee

  • 15 to 45 days of interest free credit period 

  • Purchase protection insurance

  • Personal accident cover

  • 1 reward point on spending ₹150 using the card

LIC Credit Card Eligibility Criteria

If you wish to apply for a LIC Credit Card, you must be mindful of the eligibility criteria for different types of LIC Credit Cards. A succinct summary of these criteria can be found in the below table:

Type of LIC Card

Eligibility Criteria

LIC Gold Credit Card

Annual Income of ₹1.8 Lakh or above

LIC Titanium Credit Card

Annual Income of ₹3.0 Lakh or above

LIC Platinum Credit Card

Annual Income of ₹5.0 Lakh or above

LIC Signature Credit Card

Annual Income of ₹15.0 Lakh or above

Documents Required for Different LIC Credit Cards

Here is a list of the documents you must keep handy for your LIC Credit Card Application.

  • Proof of Identity;

  • Proof of Address;

  • A copy of your PAN Card;

  • Past three months' Salary Slips or Proof of Income (as applicable):

  • A minimum gross salary of ₹25,000 per month for the LIC Titanium Credit Card

  • A minimum gross salary of ₹42,000 per month for the LIC Platinum Credit Card

  • A minimum gross salary of ₹1,25,000 per month for the LIC Signature Credit Card

  • Recent colour photographs.

LIC Credit Card Rewards Programme

LIC boasts an excellent Credit card Rewards Program. You can earn Reward Points for every rupee you spend with your LIC Credit Card. These points can then be redeemed to purchase a wide variety of household and lifestyle products. However, you must have accumulated at least 1,000 Reward Points on your LIC Credit Card in order to redeem them. With your LIC Credit Card, you can earn:

  1. 2 Reward Points for every ₹100 spent on LIC premium payments and foreign currency.

  2. 1 Reward Point for every ₹100 spent on every other type of payment, except the following:

  • Payments for Fuel

  • Loading money into your online wallets

  • Payments for EMIs

How to apply for a LIC Credit Card?

You can apply for a LIC Credit Card by visiting one of the corporation's offices and filling up the LIC Credit Card application form. Alternatively, you can opt for the LIC Credit Card Apply Online route by visiting their official website and submitting the form.

The LIC Credit Card Bill Payment Process

You can make the LIC Credit Card bill Payment either offline or online. If you wish to do it online, you can visit the LIC Credit Cards bill desk on their official website or the Axis mobile app . Alternatively, you can pay your bill through NEFT, visa money transfer or online payment with any digital wallet. All you have to do is enter your credit card number and have a digital mode of payment. If you wish to make the bill payment offline, you can do it through cheque or cash.

How to Check LIC Credit Card Status

You can check the status of your LIC Credit Card through the following ways:

  • By Visiting the Branch Office

You can check your LIC Credit Card status by visiting an LIC Branch office and providing your LIC Credit Card application number.

  • Through Customer Care

You can enquire about the status of your LIC Credit Card by calling the customer service at 1800 22 6606, which is a toll-free number. You will have to provide the application number of your LIC Credit Card and the customer service executive will update you on the same.

LIC Credit Card Customer Care

Should you require any assistance during your LIC Credit Card application process or during the course of your association with LIC Cards, you can reach out to LIC Credit Card Customer Care Team through:

  • Email id: liccards@axisbank.com

  • Customer Care Contact Number: 1800 419 0064

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on LIC Credit Card

It is easy to get your application process for a new LIC Credit Card started. You can opt for one of the following modes of LIC Credit Card Application:

Visit the nearest LIC office and fill and submit a LIC Credit Card Application form;

Apply for a LIC Credit Card on the official website of LIC CSL.

The best LIC Card for you is the one that you are eligible for and that meets your requirements from a credit card.

Since LIC Credit Cards are offered by one of India's most trusted brands, they are excellent products laden with a wide gamut of benefits for customers.

Yes, you can apply for a LIC Credit Card online by visiting the LIC website and filling out the application form.

LIC Credit Cards are free from joining and annual fee on both primary as well as add-on credit cards. The cash withdrawal fee is 2.5% of the total cash withdrawn. The minimum amount that you can withdraw using your LIC Credit Card is ₹500.The finance charge on the credit card is  3.6% per month, which adds up to 52.86% per annum.

It is necessary that you have an LIC policy which is either in force or whose premium has been fully paid for at least a minimum period of 3 years

Only holders of LIC policies can apply for an LIC Credit Card. Therefore, if you wish to apply for an LIC credit card you must be an LIC policy holder.

Yes, you can pay your LIC premium using your credit card. However, this transaction will be accompanied by a convenience fee, which is borne by LIC.

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