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LIC Gold Credit Card

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.

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Features and Benefits of a LIC Gold Credit Card

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.

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LIC Gold Credit Card Fees & Charges

Type of Charge

Amount

Annual Fee

NIL

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

  1. Rs. 300 - If the total outstanding amount is up to Rs. 2000.
  2. Rs. 400 - If the total outstanding amount is between Rs. 2001 and Rs. 5000.
  3. Rs. 600 - If the total outstanding amount is Rs. 5001 and above.

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

Documents required for LIC Gold Credit Card

The applicant's pay slip which carries a gross salary of Rs. 15,000 should be furnished.

LIC Gold Credit Card Eligibility Criteria

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.

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FAQs on LIC Gold Credit Card

  • Can LIC Gold credit card applicants track the status of their applications online?

    Yes, individuals can track the status of their applications online on the LIC card site, by entering their application ID.

  • Does LIC provide the facility of e-statements to Gold credit card customers?

    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.

  • What are the different online payment options for LIC Gold Credit Card customers?

    The following online services can be used by LIC Gold Credit Card holders -

    1. NEFT Payment
    2. Visa Money Transfer
    3. Online payments from other Bank Accounts
  • What are the different offline payment options for LIC Gold Credit Card customers?

    The following offline services can be used by LIC Gold Credit Card holders -

    1. Cheque
    2. Draft
    3. Cash Payments
  • How long are rewards points valid for 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.

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
Articles on Credit Card
  1. How to Check Credit Card Status
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  4. How to get Credit Card without Job
  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
  8. Advantages & Disadvantages of Credit Card
  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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