Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

    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
    • Rs. 300 - If the total outstanding amount is up to Rs. 2000.
    • Rs. 400 - If the total outstanding amount is between Rs. 2001 and Rs. 5000.
    • 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.

    FAQs on LIC Gold Credit Card

    1. 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.

    2. 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.

    3. 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 -

      • NEFT Payment
      • Visa Money Transfer
      • Online payments from other Bank Accounts
    4. 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 -

      • Cheque
      • Draft
      • Cash Payments
    5. 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.


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