• Text size:

    S M L

  • Letter spacing:

Startup Solutions View All

Discover

You gain a dedicated partner committed to helping you reach your full potential and achieve new heights

Know More

Trade services

Tools and Calculators

Discover

msme-trade

Zero Forex Markup Current Account

Maximise your savings and boost profitability with our Zero Forex Markup current accounts

Know More

Collect & Pay Solutions

Discover

bulk-payments

Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments

Know More
All Credit Cards

Cashback & Affordability Credit Cards

Discover

Hello Cashback Credit Card

Cashback for everyone, for every spend that matters

Know More
Image

WhatsApp banking

Right Arrow

Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

Image

Track Requests

Right Arrow

View & track all your past and active service requests.

Image

Raise a Request

Right Arrow

Facing issues? Let us know how we can help you

Locate Us

Locate Us

Right Arrow

Locate your nearest IDFC FIRST Bank branches and ATMs

Add a compliment

Add a compliment

Right Arrow

Our customers are talking, and we think you’ll like what they’re saying.

Customer care

Customer care

Right Arrow

We will be happy to help you 24x7.

Image

Help Center

Right Arrow

Support topics, FAQs and more

Image

Download our app

Get instant help for all your queries in one place

Head
Get App
Pay Login
Customer Service Contact us Service request Locate a branch
Explore Personal
Explore Credit Cards
Image

WhatsApp banking

Right Arrow

Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

Image

Track Requests

Right Arrow

View & track all your past and active service requests.

Image

Raise a Request

Right Arrow

Facing issues? Let us know how we can help you

Locate Us

Locate Us

Right Arrow

Locate your nearest IDFC FIRST Bank branches and ATMs

Add a compliment

Add a compliment

Right Arrow

Our customers are talking, and we think you’ll like what they’re saying.

Customer care

Customer care

Right Arrow

We will be happy to help you 24x7.

Image

Help Center

Right Arrow

Support topics, FAQs and more

Image

Download our app

Get instant help for all your queries in one place

Download now!
hero-banner-bg

LIC IDFC FIRST Credit Cards

Secure your tomorrow, Live today

Accelerated rewards on LIC Premium payments, online and offline spends; Domestic airport lounge access and more!

Apply Now

LIC Classic Credit Card: Protection and Rewards in One Card

Take the first step towards a rewarding financial journey with the LIC Classic Credit Card by IDFC FIRST Bank. With a simplified reward structure, this lifetime-free card helps you earn 6X rewards on LIC premium payments. You also get complimentary access to airport and railway lounges, as well as attractive welcome benefits worth ₹3,000. With simple features, no annual fees, and unmatched rewards structure , it offers a dependable way to build credit responsibly. Choose this card for reliability and everyday convenience.

LIC Classic LIC Select

A credit card that secures your tomorrow, while rewarding your today. This credit card offers supersized rewards on LIC premium payments and other daily spends. These rewards can be redeemed anywhere online, even to fund your next LIC premium payment. That’s not all, there are lifestyle privileges like airport & railway lounge access, road-side assistance and insurance covers.

At A Glance

Lounge img

Welcome Onboard

ok.png

Joining Benefits worth ₹3,000+

ok.png

No Joining fee and Annual Fee

ok.png

Interest free ATM cash withdrawals for up to 45 days

Lounge img

Rewards Program

ok.png

6X Rewards on LIC Insurance Premium

ok.png

3X Rewards on Other Spends

Lounge img

Earn more when you book travel through IDFC FIRST Mobile App

ok.png

Earn 38% Reward Points on hotel bookings

ok.png

Earn 18% Reward Points on flight bookings​

Lounge img

Lifestyle privileges

ok.png

Dom. Airport & Railway Lounge access

ok.png

Road-side Assistance & Insurance covers

classic-card.png classic-card-m.png

LIC Classic Credit Card

Rewards Program

Rewards :

     

  • 6X Rewards on LIC Insurance Premium spends
  • 3X Rewards on Essentials (Grocery, Utilities, Railways, FASTag, Education and Government payments) up to 300 RP per month
  • 3X Rewards on all Other spends
  • Earn up to 38% Reward Points on hotel & flight bookings through IDFC FIRST Mobile App Know More
  • Effective 18th Jan’26. If you fail to pay at least the Minimum Amount Due by the Payment Due Date, Reward Points will not be applicable for that billing cycle. Any Reward Points credited for that cycle, if already posted, will be reversed.​

    •  

     

  • 1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25
  • Rewards earned on LIC IDFC FIRST Bank Credit Cards have a validity of 3 years.
  • Reward program not applicable on Fuel, Rental, Non-LIC Insurance spends, EMI transactions & Cash withdrawals.
  • Rewards on LIC Insurance premium spends will be applicable only if Insurance premium is paid through LIC Of India’s official website i.e. https://licindia.in/
  • By booking through IDFC First Mobile app, earn 45/₹125 Bonus Reward Points on hotel bookings & 20/₹125 Bonus Reward Points over and above your base rewards

    •  

Privileges

ok-b-and-p.png

1 complimentary Domestic Airport Lounge access per quarter List of Lounges

ok-b-and-p.png

2 complimentary Railway Lounge access per quarter Know more

ok-b-and-p.png

Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month. *Applicable only on transaction values between ₹200 & ₹5000

Benefits

1,000 Rewards on spending first ₹5,000 within 30 days of card generation Know More

5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation Know More

Exciting merchant offers worth₹1,500+

Click here for more details
benefits-m.png
img alt

Insurance Covers

ok-b-and-p.png

Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000 valid on doing at least one transaction on LIC Classic Credit Card in last 30 days

ok-b-and-p.png

Purchase Protection Cover & Credit Shield Cover of ₹25,000 each

ok-b-and-p.png

Complimentary Roadside Assistance worth ₹1,399

Click here for more details

Convenience

Convert all eligible transactions* into easy & convenient EMIs from your mobile app

Instant EMI conversion for all eligible online transactions* on the bank’s OTP page

Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege* Eligibility norms apply*

Eligibility norms apply*

LIC Credit Card Enhanced Convenience Image
fee-and-charges.png img alt

Fees & Charges

ok-b-and-p.png

Lifetime Free

Zero joining fee and Zero annual fee

ok-b-and-p.png

Low interest Rates (APR)

Low & Dynamic Interest rates starting at 9% per annum*

*Effective 20th February 2025, APR range will start from 8.5% per annum

ok-b-and-p.png

Interest free cash withdrawals on Domestic and International ATMs for up to 45 days (Cash Advance Fee of only ₹199 per transaction)

OVL amount

OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550

Late Payment fee

Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

Click here for more details

Accelerated Rewards on Travel

Earn Bonus Reward Points on booking flights and hotels via 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App

  • bullets icon
    Earn 36% Bonus Reward Points on hotel bookings, over and above your usual Credit Card Reward Points
  • bullets icon
    Earn 16% Bonus Reward Points on flight bookings, over and above your usual Credit Card Reward Points
  • bullets icon
    Redeem your Reward Points for flight & hotel bookings

Read terms and conditions

Download the app Arrow
Scanner code

Book your travel now!

Step 1

Open the IDFC FIRST Mobile Banking App

Step 2

Tap ‘FIRST Rewards Gallery’ in the menu

Step 3

Choose Hotels or Flights and Book

Important Documents

Card Member
Agreement
doc-arrow.png
Most Important Terms & Conditions
mitc mitc doc-arrow.png
Product Usage Guide
pug pug doc-arrow.png
Credit Card Basics
cc-basics cc-basics doc-arrow.png

Frequently Asked Questions

Effective 18th June 2026, what changes are being made to the LIC Classic Credit Card?

There will be revisions to select features and the applicable Terms & Conditions of the LIC Classic Credit Card. Click here for detailed information.

Is there a Joining/ Membership/ Annual fee on LIC IDFC FIRST Bank Credit Cards?

There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.

How can I redeem the reward points that I have earned on my card?

You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at https://firstrewards.in/

Is there an expiry date on the reward points accrued on my LIC IDFC FIRST Bank Credit Card?

Your reward points have a validity of 3 years from the date when reward points are earned.

What are the offers available on LIC IDFC FIRST Bank Credit Cards?

LIC IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.

What is the interest rate(APR) on my credit card?

IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 9% to 42% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.

Effective 20th February 2025, APR range will be revised to 8.5% - 46.2% per annum

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.

How do I generate my credit card PIN?

Net Banking

Pre Login:

  • Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirst.bank.in/login]
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Verify using the OTP sent on your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

Login:

  • Login to your Net Banking account
  • Select Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Your Credit Card PIN is set

Mobile Banking App

Pre-login:

  • Select browse icon from the right side top menu on login page
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

Login:

  • Login to Mobile Banking App
  • Access Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Your Credit Card PIN is set

Customer Care:

  • Dial our Customer Care and follow the instructions to generate the PIN
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

How are LIC IDFC FIRST Credit Cards different from normal Credit Cards?

LIC Co-branded credit cards offer exceptional rewards on LIC premium payments than a normal credit cards

I do not have a LIC Policy, Can I apply for LIC IDFC FIRST Credit Cards?

Yes

Where do I get my LIC IDFC FIRST Credit Card Statement?

Customer gets the credit card statement mailed as a pdf file. Also, one can have an overview of the statement in IDFC FIRST Bank mobile application.

What to do if I lose my LIC IDFC FIRST Bank Credit Card?

Customer needs to first block the credit card temporarily through mobile application or through customer care. Post that they can apply for replacement card again either from mobile application or through customer care.

I already have an IDFC FIRST Bank Credit Card. Can I apply for the LIC IDFC FIRST Bank Credit Card?

Existing IDFC FIRST Bank Credit Cardholders are not eligible to apply for LIC IDFC FIRST Bank Credit Card

Apply Now No Joining Fee | No Annual Fee