LIC Lumine Credit Card by IDBI
- Updated On: 19 September, 2025
The LIC Lumine Credit Card by IDBI Bank is a co-branded credit card that comes with no joining fees. It offers great rewards, allowing you to earn points on various purchases like shopping, dining, and travel. You can enjoy up to 48 days of interest-free credit on your transactions, and it can be used widely across millions of merchants in India and abroad.
Users earn Delight Points on their purchases. For every ₹100 you spend, you will receive 3 points. You’ll receive a welcome gift of 1,000 Delight Points after spending a total of ₹10,000 within 60 days of activating your card. This card also offers a waiver of 1% on fuel transactions along with insurance coverage on personal accidents worth ₹2 lakhs. In case of a lost card, there’s zero liability for unauthorized transactions if you report it promptly, for a secure experience.
LIC Lumine Credit Card by IDBI
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
3 Delight Points for every ₹100 spent on eligible transactions
Welcome Benefits
1,000 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
3 Delight Points for every ₹100 spent on eligible transactions
Reward Redemption
1 Delight Point = ₹0.25
Travel
N/A
Domestic Lounge Access
N/A
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 ₹4,000.
Cash Advance Charges
2.5% of transaction fee or ₹500
Product Details
- The LIC Lumine Credit Card by IDBI has no joining or renewal fees, making it a lifetime-free card.
- New users receive 1,000 Delight Points when they spend ₹10,000 within the first 60 days.
- There is a 1% waiver on fuel surcharge for fuel transactions between ₹400 and ₹4,000.
Pros/Cons
Pros
- The card provides insurance benefits, including personal accident cover of ₹2 lakhs for added security.
Cons
- The interest rates are relatively high at 3.4% per month, which can be costly if you carry a balance on the card.
- There is a ₹99 fee to redeem rewards and a 3.5% charge for purchases in foreign currency.
Lifetime-Free Credit Card
The LIC Lumine Credit Card by IDBI Bank is perfect for those who are looking for a credit card that won’t cost them anything in terms of fees. This card is lifetime-free, meaning you won’t have to pay any joining or annual fees for as long as you use it. With this card, you can enjoy various benefits and earn points while shopping, dining, or traveling, all without having to spend a penny on maintaining the card.
Welcome Benefits
The LIC Lumine Credit Card by IDBI Bank offers welcome benefits for new cardholders. When you spend a total of ₹10,000 within the first 60 days after receiving your card, you earn 1,000 Delight Points, which can be used for various rewards and perks.
Reward Rate
The LIC Lumine Credit Card by IDBI Bank offers an impressive reward rate that allows cardholders to earn 3 Delight Points for every ₹100 spent. Every time you make a purchase, whether for travel, shopping, dining, or going to the movies, you build up your reward balance.
Reward Redemption
The process of redeeming your Delight Points is very simple and easy. You can use your accumulated points to enjoy various rewards, such as discounts on future purchases, gift vouchers, or exclusive offers from partner merchants. Simply check the available redemption options through the bank’s rewards portal, and you can easily select what you like.
Entertainment Perks
BookMyShow has a great offer for LIC Lumine Cardholders by IDBI Bank. If you buy one movie ticket on the 2nd or 4th weekend of the month, you can get another ticket for free. This means you can enjoy a movie with a friend without spending extra.
Fuel Surcharge Waiver
The LIC Lumine Platinum Credit Card by IDBI Bank offers a great benefit when it comes to fuel purchases. You can enjoy a 1% fuel surcharge waiver on the fuel transactions, which means you’ll save some money on every transaction. This waiver applies to transactions between ₹400 and ₹4,000, and you can benefit from it multiple times throughout the month, with a maximum savings of ₹300.
Insurance Cover
The LIC Lumine Credit Card by IDBI Bank offers important insurance coverage for cardholders. It provides a Personal Accidental Death Insurance cover of ₹2 lakhs, which means if an accident occurs, your family can receive this amount to help them financially. It also includes a Credit Shield Cover that protects you in case of unforeseen circumstances.
LIC Lumine Card by IDBI Review
The LIC Lumine Credit Card by IDBI is perfect for people who want to manage their money better while having more security and rewards. It has no fees, so users can focus on spending without worrying about extra costs. This card encourages smart money habits and provides great rewards for everyday spending. Applying for this card is a smart step as it works well with different lifestyles. Whether you are shopping, eating out, or just handling daily expenses, this card makes things easier. It can help you save money and feel more satisfied. Using the LIC Lumine Card helps you make smart choices that can improve your financial health in the long run.
FAQs:
Can I get an add-on card?
Yes, you can get one add-on card with the LIC Lumine Credit Card, which allows your family members to benefit from the rewards as well.
How does the BOGO movie ticket offer work?
If you purchase one movie ticket via BookMyShow on the 2nd or 4th weekend of the month, you’ll receive a second ticket for free.
Is there a charge for international transactions?
Yes, there is a foreign currency markup fee of 3.5% for transactions made in foreign currency.
What are the welcome benefits of this card?
New cardholders can earn 1,000 Delight Points after spending ₹10,000 within the first 60 days of activating the card.