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  • LIC Titanium Credit Card

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    Make every travel experience a memory to treasure with the LIC Titanium credit card. Offering exceptional travel benefits along with a string of rewards, the LIC Titanium credit card is a one-of-a-kind travel credit card. This credit card comes with a powerful loyalty program, fuel surcharge waiver and a complimentary insurance cover. The LIC Titanium credit card is the perfect companion for international travel and can be used at merchant outlets accepting MasterCard. Card holders can also enjoy excellent travel privileges from MasterCard and can be used across the country. The LIC Titanium credit card also comes with some of the best lifestyle, health, dining, beauty and entertainment privileges.

    Features and Benefits of LIC Titanium Credit Card

    MasterCard Lounge Access Program LIC Titanium credit card customers will receive access to MasterCard airport lounges across India and around the globe.
    Insurance Titanium credit cardholders can enjoy complimentary lost card liability insurance for an amount up to their credit limit, up to a maximum of Rs.5 lakh.
    PlusPoints Rewards Program Card holders can earn 2 rewards points for every Rs. 100 spend on purchases done with foreign currencies and for LIC premium payments. For other purchases get 1 reward point for every Rs.100 spent and 1 PlusPoint for every Rs.200 spent.
    Cash Withdrawals Users can make ATMs cash withdrawals across India using LIC credit cards.
    EMI Option Cardholders can convert high-value purchases above Rs.2,500 into EMIs and make repayments at a lower rate of interest.
    Fuel Surcharge Waiver Titanium Credit Cardholders get a fuel surcharge waiver of 2.5% for a transaction value between Rs.400 and Rs.4,000 at petrol stations across the country.
    Loan on a LIC Signature Credit Card Get easy loans on the Titanium credit card with no documentation and quick disbursements.
    Supplementary Cards Enjoy upto to 3 supplementary cards given for parents-in-laws, parents, spouse, children or siblings aged 15 years and above.
    Balance Transfer Choose to transfer the outstanding balance from credit cards of other banks to the Titanium credit cards.

    Fees & Charges of LIC Titanium Credit Card

    Type of Charge Amount
    Annual Fee NIL
    Interest-free Credit Period Up to 50 days
    Interest Rate 3.25% per month
    Add-on Card Joining Fees / Annual Fees NIL
    Card replacement Fees Waived off
    Cash withdrawal Fee 2.5% of the cash limit / A minimum of Rs.250.
    Dial-an-EMI : Interest rates
    • 1.5% for 3, 6, 12 and 24 months
    • Processing fee - 1.5% or Rs. 150, whichever is higher
    Duplicate Statement Fee Waived off
    Emergency card replacement charges, while abroad. According to VISA Global Customer Assistance Services
    Copy Request Fee Waived off
    Cheque return / dishonor Fee Rs. 300
    Copy Request Fee / Charge slip Retrieval Fee Waived off
    Late Payment Fee
    • If the outstanding payment is Rs.300 - Nil
    • Between Rs.301 and Rs.500 - Rs.100
    • Between Rs.501 and Rs.1,000 – Rs.500
    • Between Rs.1,001 and Rs.10,000 – Rs.750
    • Between Rs.10,001 and Rs.25,000 – Rs.950
    • Between Rs.25,001 and Rs.50,000 – Rs.1,000
    • More than Rs.50,000 – Rs.1,200
    PlusPoint Redemption Fee Rs. 30 / request
    Fuel Transaction Surcharge Waived off
    Transaction Alert Charges Waived
    Balance Enquiry Charges Waived off
    Foreign Currency Transaction Fee 3.50% of the transaction amount

    LIC Titanium Credit Card Eligibility Criteria

    The primary applicant for a Titanium Credit card must have an income of Rs.5,00,000 and above, per annum. The LIC Titanium card can be availed at seven cities across India.

    Documents Required of LIC Titanium Credit Card

    The applicant’s pay slip showing a gross salary of Rs.42,000 should be submitted to LIC.

    LIC Titanium Credit Card FAQs

    1. What are the additional charges levied if a titanium card holder wants to hotlist his card?

      There are no charges levied for hot listing of Titanium credit cards by LIC.

    2. Can customers make secure online transactions using a LIC Titanium credit card?

      Yes, online payments can be made by card holders without any hassles, as the Titanium credit card uses secure payment systems namely, MasterCard SecureCode and Verified by Visa (VbV).

    3. What are the online payment options available to LIC Titanium Credit Card customers?

      The below given online services can be used by LIC Titanium Credit Card holders -

      • NEFT Payment
      • Online payments from other Bank Accounts
      • Visa Money Transfer
    4. Can online applications be made for a LIC Titanium credit card?

      Yes, customers can make quick applications on the LIC website and avail a LIC Titanium credit card.

    5. What are the offline payment options available to LIC Titanium Credit Card customers?

      The below given offline services can be used by LIC Titanium Credit Card holders -

      • Cheque
      • Cash Payments
      • Draft
      

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