Add a little shine to your everyday shopping with the LIC Gold credit card, being offered with some of the best privileges available on this planet. The LIC Gold credit card has been exclusively designed for customers, who love to have a good lifestyle and enjoy premium benefits. This LIC credit card also comes with an excellent rewards program and complimentary insurance cover for the card holder. LIC aims to make every shopping trip, a memorable experience with unlimited privileges, festive offers, lifestyle benefits, discounts, special deals and much more.
A LIC Gold credit card comes with the following features and privileges.
|PlusPoints Rewards Program||Gold Card holders can earn 1 rewards point for every Rs.100 spent. As bonus rewards, customers can get 2 rewards points for every Rs. 100 spent for paying LIC premium and on international purchases.|
|Loan on a LIC Platinum Credit Card||Repayments can be made at low interest rates. EMI conversions can be done by customers an interest rate of 1.5% per month, which is usually calculated on a monthly reducing balance.|
|Insurance||Personal Accident Cover of Rs.1 lakh and purchase protection of Rs.50,000. Cardholders also receive a credit shield of Rs.50,000 in case of permanent disability.|
|Add-on Cards||LIC Gold Credit Card customers can get up to 3 add-on cards for their spouse, parents-in-laws, parents, children or siblings above the age of 15.|
|Cash Withdrawals||Card members can make quick cash withdrawals at ATMs across the country using their LIC Platinum credit card.|
|EMI Option||LIC Gold Credit Card holders can convert their purchases over an amount of Rs.2,500 into monthly installments.|
|Fuel Surcharge Waiver||Fuel surcharge of 1% waived on all fuel purchases.|
|Balance Transfer||Platinum members can transfer the outstanding balance from other bank credit cards to their existing Platinum credit cards.|
|Type of Charge||Amount|
|Interest-free Credit Period||Up to 50 days|
|Add-on Card Joining Fees / Annual Fees||NIL|
|Cash withdrawal Fee||2.5% of the cash limit / A minimum of Rs.250.|
|Card replacement Fees||Waived off|
|Duplicate Statement Fee||Waived off|
|Emergency card replacement charges, while abroad.||According to VISA Global Customer Assistance Services|
|Copy Request Fee / Charge slip Retrieval Fee||Waived off|
|Cheque return / dishonour Fee||Rs. 300|
|Late Payment Fee||
|Copy Request Fee||Waived off|
|Fuel Transaction Surcharge||2.5% / Rs. 10, whichever is higher|
|Transaction Alert Charges||Waived|
|Hot listing Charges||Nil|
|Foreign Currency Transaction Fee||3.50% of the transaction amount|
|PlusPoint Redemption Fee||Rs. 30 / request|
|Balance Enquiry Charges||Waived off|
The applicant's pay slip which carries a gross salary of Rs. 15,000 should be furnished.
The applicant should show a net income of Rs. 1, 80,000 or above, per annum. The LIC Gold card can be procured at seven cities across India.
Yes, individuals can track the status of their applications online on the LIC card site, by entering their application ID.
Yes, e-statements can be downloaded from the LIC card site, by entering details like the card holder's name, credit card number, card validity date and the date of birth.
The following online services can be used by LIC Gold Credit Card holders -
The following offline services can be used by LIC Gold Credit Card holders -
Accrued rewards points have to be used within six months. Points that are not used for more than 6 months will not be valid and the account balance will become nil.
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