LIC Eclat Credit Card by IDBI Bank
- Updated On: 19 September, 2025
If you’re looking for a credit card that not only simplifies your spending but also rewards you for it, the LIC Eclat Credit Card by IDBI Bank might be just what you need. With no joining fees, this co-branded card offers exclusive privileges for anyone looking for an exceptional banking experience both at home and abroad.
The LIC Eclat Credit Card has the ability to reward you as you spend. You earn 4 Delight Points for every ₹100 spent, alongside a welcome bonus of 1,500 Delight Points when you spend ₹10,000 within the first 60 days. You even enjoy up to 48 days of interest-free credit, along with 2X points on LIC payments.
The card also provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum discount of ₹500. You can access select airport lounges in India, along with free movie tickets on BookMyShow. With features like zero lost card liability and the option for add-on cards for family members, the Eclat Select card truly prioritizes your financial preference.
LIC Eclat Credit Card by IDBI Bank
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 Delight Points for every ₹100 spent on eligible transactions
Welcome Benefits
1,500 Delight Points on spending ₹10,000 within 60 days of card issuance
Rewards and Benefits
Movie & Dining
BOGO offer on movie tickets via BookMyShow
Rewards Rate
4 Delight Points for every ₹100 spent on eligible transactions
Reward Redemption
1 Delight Point = ₹0.25
Travel
N/A
Domestic Lounge Access
2 airport lounge visits per quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
This card provides personal accident cover and shield protection
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.5%
Interest Rates
3.4% per month/ 40.8 per annum
Fuel Surcharge Waiver
A 1% fuel surcharge waiver on fuel transactions of at least ₹400 and no more than ₹5,000.
Cash Advance Charges
2.5% of transaction fee or ₹500
Product Details
- Lifetime-free credit card with no joining and renewal fee.
- Includes personal accident cover and shield protection for added security.
- Enjoy BOGO movie ticket offers through BookMyShow.
- 2 complimentary domestic airport lounge visits per quarter.
Pros/Cons
Pros
- Earn 1,500 Delight Points as welcome benefits.
- A 1% waiver on fuel transactions between ₹400 and ₹5,000 is also offered.
Cons
- Forex markup fee is quite high.
- No benefits are offered on dining and golf.
Welcome Benefits
When you spend a total of ₹10,000 within the first 60 days of getting your LIC Eclat Credit Card by IDBI Bank, you will receive 1,500 Delight Points. These points can be redeemed for various merchandise items, giving you a satisfying bonus right when you start using your card. This welcome offer is a great way to start using your card and enjoy its rewards.
Reward Rate
The LIC Eclat Credit Card helps you earn rewards, where you get 4 Delight Points for every ₹100 you spend on eligible transactions. This means that when you shop, travel, or go to a movie, you can quickly earn points on your everyday purchases.
Reward Redemption
To use your Delight Points, you need at least 1,000 points available for redemption. You can use your points to get different items offered by the bank. To redeem your points for IDBI Bank Gift Cards, you must have at least 4,000 points. Remember, you can’t get cashback or redeem rewards directly in the store.
Entertainment Perks
The LIC Eclat Credit Card offers some interesting perks for movie lovers. Users get a Buy-One-Get-One movie ticket offer available on the 2nd and 4th weekends of each month. This is a great way to enjoy a fun outing with a friend or family member without spending too much.
Airport Lounge Access
The LIC Eclat Credit Card by IDBI Bank offers domestic airport lounge access for its users. With this card, you can enjoy comfortable lounges at the airport twice every quarter. You can find comfortable seating, complimentary snacks and drinks, and sometimes even free Wi-Fi.
Insurance Benefits
The LIC Eclat Credit Card by IDBI Bank offers important insurance benefits to keep you and your loved ones secure. It includes coverage of up to ₹10 lakh in case of accidental death or permanent disability due to an accident. The card provides a Credit Shield cover that takes care of your outstanding dues if something happens to you.
Fuel Surcharge Waiver
When you use the LIC Eclat Credit Card to fill up your fuel, you can get a 1% waiver on the fuel surcharge for purchases between ₹400 and ₹5,000 at any fuel station. There’s a cap of ₹500 that you can save each month through this offer.
Eligibility Criteria of LIC Eclat Credit Card by IDBI Bank
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LIC Eclat Credit Card by IDBI Bank Review
The LIC Eclat Credit Card by IDBI Bank is an appealing option for those who enjoy shopping and entertainment. With no joining or renewal fees, this co-branded card provides valuable rewards, including 1,500 Delight Points as a welcome benefit and the chance to earn points on every purchase. Movie lovers will appreciate the Buy-One-Get-One ticket offer, while travelers can benefit from domestic lounge access. It even offers key insurance protections for added security.
If you frequently spend on shopping and entertainment, this card is certainly worth considering.
FAQs:
Is there a joining fee for the LIC Eclat Credit Card by IDBI Bank?
No, there is no joining fee for the LIC Eclat Credit Card by IDBI Bank. It is a lifetime-free credit card with no renewal charges as well.
Are there any insurance benefits with the card?
Yes, the LIC Eclat Credit Card by IDBI Bank includes personal accident cover of up to ₹10 lakh in case of accidental death or disability.
Are there any fees for international transactions?
Yes, there is a foreign currency markup fee of 3.5% on international transactions, so be careful when using the card abroad.
Can I redeem my Delight Points for cash?
No, you cannot redeem Delight Points for cash. You can redeem them for merchandise items offered by the bank or for IDBI Bank Gift Cards once you have enough points.
1 comment
Shailender Bhardwaj
I need a credit card of IDBI BANK WITHOUT ANY ANNUAL OR MONTHLY FEE.