By Ankur Mittal
Updated On October 11, 2021

LIC Cards is a wholly-owned subsidiary of Life Insurance Corporation of India. LIC Card services limited came into existence on 11 November 2008 and its registered office is situated in New Delhi. LIC credit cards offer customers exclusive privileges and benefits to make the customer experience rewarding. LIC cards offer lifetime free cards by which the customers don’t need to pay any joining or renewal fee on their credit card. LIC credit cards are issued to the LIC policyholders and LIC agents only. The customer applies for a LIC policy to avail a LIC credit card. To know more about the credit card offerings by the LIC CSL, read below given some of the best credit cards from its portfolio. LIC Card issues various credit cards, out of which some popular cards are as mentioned below.

LIC titanium credit card

Welcome Benefits

NA

Rewards Rate

2 Reward Point Per Rs 100 spent on LIC premium payments and foreign spendings and 1 Reward Point Per Rs 100 spent on other categories.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your reward point accumulated on your LIC Titanium credit card against the LIC reward catalog.

Joining Fees

Nil

Product Details

  • No Annual fee charged
  • 2 Reward Point every Rs 100 spent on LIC Premium Payment and International spends
  • 1 Reward Point every Rs 100 spent on all categories
  • Lost Card Liability cover up to the credit limit
  • 1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 4000

See additional details for LIC Titanium Credit Card

LIC Platinum credit card

Welcome Benefits

NA

Rewards Rate

2 Reward Points for every Rs 100 spent on LIC Premium payment and international spends and 1 Reward Point for every Rs 100 spent on other categories.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Redeem the reward points accumulated on your LIC Platinum credit card against the reward catalog as per the conversion rates applicable.

Joining Fees

Nil

Product Details

  • No Annual fee charged on LIC Platinum Credit Cards.
  • 2 Reward Point every Rs 100 spent on LIC Premium Payment and International spends
  • 1 Reward Point every Rs 100 spent on all categories
  • Lost Card Liability cover up to the credit limit
  • Personal accidental insurance cover worth Rs 3 lakh
  • Air accidental insurance cover worth Rs 1 crore
  • 1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 4000

See additional details for LIC Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

1 Reward Points on every Rs 150 spent on all categories ( 1 Reward Point = Rs 0.50)

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem these reward points against the statement cash of your outstanding amount.

Joining Fees

Nil

Product Details

  • No Joining fee or Renewal fee Charged
  • 1 Reward Point on every Rs 150 spent
  • 2.5%  surcharge waiver on fuel transactions at fuel stations across India
  • Personal accidental insurance cover
  • Get purchase protection cover worth Rs 50,000 for 60 days
  • Credit Liability cover of Rs 50,000

See additional details for LIC Platinum EMV Credit Card

LIC Gold EMV Credit Card

Welcome Benefits

NA

Rewards Rate

You can earn 1 reward point on spending every Rs. 150 using this card. 1 RP = Rs. 0.25.

Best Suited For

Fuel | Shopping |

Movie & Dining

NA

Reward Redemption

Reward points can be used for clearing credit card outstanding. They can also be redeemed towards home and lifestyle products as well as dining and shopping benefits A minimum of 1,000 reward points can be redeemed towards the credit card balance.

Joining Fees

Nil

Product Details

  • The LIC Gold EMV Credit Card comes with no joining fee.
  • This card is valid for 5 years.
  • Earn 1 reward point on every Rs. 150 spent on this credit card.
  • Get personal accident cover of up to Rs. 1 lakh.
  • Get a credit shield of upto Rs. 50,000 in case of permanent disability.
  • Get purchase protection of Rs. 50,000.
  • Get an interest-free credit period of 15 to 45 days.
  • 1 reward point = Rs. 0.25.

See additional details for LIC Gold EMV Credit Card

Top 5 LIC Credit Cards

LIC Titanium credit card

This is a co-branded card issued by LIC in association with Axis Bank. You get 2 reward points per Rs 100 spent on LIC premium payment and international spending and 1 reward point per Rs 100 spent on other categories. You are charged with zero annual fees on LIC credit card.

LIC Visa Signature credit card

This is a Visa-powered card offered by LIC in collaboration with the Axis Bank. This is a zero membership fee card that provides you with exciting rewards and benefits on your purchases. You can earn 2 reward points on every Rs 100 spent on LIC premium payment and international spendings. Moreover, you also earn 1 reward point on every Rs 100 spent on all other categories. Furthermore, you also get several travel and insurance benefits with this credit card.

LIC Platinum credit card

LIC Platinum credit card is a Visa card offered by LIC in collaboration with Axis Bank. This is no annual fee card offering exciting rewards to its customers. You get 2 reward points on every Rs 100 spent on LIC premium payment and international spending and 1 reward point on another spending.

LIC Platinum EMV credit card

LIC Platinum EMV is a co-branded card launched LIC in partnership with Corporation Bank. You get 1 reward point on every Rs 150 spent using your credit card. This is card comes in Visa variant only. There are a host of benefits associated with this card such as accidental protection cover, fuel surcharge waiver, and credit liability cover.

LIC Gold EMV credit card

LIC Gold EMV credit card is a Visa card offered by the LIC in association with the Corporation Bank. You get 1 reward point on every Rs 150 spent using your credit card. You get a personal accident cover of Rs 1 lakh and a credit shield worth Rs 50,000

LIC Cards Reward Points

Credit Cards Reward Points
LIC Titanium Credit Card
  • 2 Reward Points on every Rs 100 spent on LIC Premium Payment and International spend
  • 1 Reward Point on every Rs 100 spent on other categories
LIC Visa Signature Credit Card
  • 2 Reward Points on every Rs 100 spent on LIC Premium Payment and International spend
  • 1 Reward Point on every Rs 100 spent on other categories
LIC Platinum Credit Card
  • 2 Reward Points on every Rs 100 spent on LIC Premium Payment and International spend
  • 1 Reward Point on every Rs 100 spent on other categories
LIC Platinum EMV Credit Card
  • 1 Reward Point on every Rs 150 spent on all categories
LIC Gold EMV Credit Card
  • 1 Reward Point on every Rs 150 spent on all categories

Complimentary Lounge Access

Credit Card Complimentary Lounge Access
LIC Titanium Credit Card N/A
LIC Visa Signature Credit Card 2 Complimentary Domestic and International Lounge Access
LIC Platinum Credit Card N/A
LIC Platinum EMV Card N/A
LIC Gold EMV Card N/A

Fees and Other Charges

Credit Cards Annual Fee Interest Fee Charged Cash Advance Fee Foreign Currency Markup Reward Redemption Fee Add on fee
LIC Titanium Credit Card Nil 2.75% p.m. (33% p. a.) 2.5% or a minimum of Rs. 500. 3.5% on the conversion amount Rs 30 + GST Nil
LIC Visa Signature Credit Card Nil 2.75% p.m. (33% p. a.) 2.5% or a minimum of Rs. 500. 3.5% on the conversion amount Rs 30 + GST Nil
LIC Platinum Credit Card Nil 3.6% p.m. (52.86% p.a.) 2.5% or a minimum of Rs. 500. 3.5% on the conversion amount Rs 30 + GST Nil
LIC Platinum EMV Card Nil 3.6% p.m. (52.86% p.a.) 2.5% or a minimum of Rs. 500. 3.5% on the conversion amount Rs 30 + GST Nil
LIC Gold EMV Card Nil 3.6% p.m. (52.86% p.a.) 2.5% or a minimum of Rs. 500. 3.5% on the conversion amount Rs 30 + GST Nil

Documents Required

Identity Proof Address Proof Income Proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Rent agreement
  • Utility bills
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.
  • For self-employed individuals - Later ITR (Income Tax Return).

How to Apply for LIC Credit Cards?

The customers can simply apply for the LIC credit card by visiting the nearest LIC branch office. You need to download an application form online and print it after filling the form submit it along with all the pre-required documents.

How to Check Application Status of LIC Credit Cards?

You can check your LIC credit card application status by calling the IVR number at 1800 22 6606. You can simply connect with the customer service representative provide your application number, PAN number, and registered mobile number. The customer executive shall verify the details as provided.

Customer Care

LIC customers contact the reach out at the helpline number with their queries and complaints through call, email, and SMS. Below are provided some details you can use to raise your queries.

You can reach out by calling the customer care number at 1800 233 1100 with your queries and complaints. The customers can get in touch by sending mail at this address at [email protected] or [email protected]

FAQs:

No, you do not get any spend based waiver on your LIC credit cards

Yes, you can simply request the bank to increase your temporary credit limit on your credit card.

You get a maximum of 3 add-on cards and you are not charged any fee on your first add-on card.

The customers are required to pay a redemption fee of Rs 30 to redeem their reward points

No, Non-Resident Indians can not apply for LIC credit cards. Therefore, only Indian residents can apply for an LIC credit card.

The customer can report their losses by calling the customer care number at
LIC Platinum EMV and Gold EMV – 1800 22 6606
LIC Platinum, Titanium and Visa Signature – 1800 233 1100

Yes, you get EMI facility with your LIC credit cards to convert your purchases into transactions of 3, 6, 12 months.

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