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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 a LIC Titanium Card:

    A LIC Titanium credit card comes with the following features and benefits.

    • PlusPoints Rewards Program:

      LIC Titanium credit card users can get attractive rewards from the PlusPoints Rewards program offered by LIC Cards. This program has been exclusively designed to offer the best rewards on spends. Card holders can earn 2 rewards points for every Rs. 100 spend on purchases done with foreign currencies and for LIC premium payments. Other purchases done with a LIC Titanium credit card earn customers 1 rewards point for every Rs. 100 spent and 1 PlusPoint for every Rs. 200 spent. Accumulated rewards points can be redeemed for shopping vouchers, lifestyle products, etc. Every redemption request done by a customer will be charged a handling charge of Rs. 30. Users have to amass a minimum of 1000 rewards points to make redemptions.

    • MasterCard Lounge Access Program:

      LIC Titanium credit card users can enjoy access to MasterCard airport lounges across the country.

    • Insurance:

      Titanium credit card customers can get complimentary lost card liability insurance for an amount up to their credit limit (Rs.50, 000). This insurance cover protects card users against fraudulent transactions if their credit cards have been stolen or lost. The customer is required to report the loss of card to the LIC Cards Customer Service, within India or to the VISA Global Service helpline, when abroad. Once the loss has been reported, LIC would send a replacement credit card within 7 working days. The lost card liability insurance cover does not protect ATM or internet transactions.

    • Cash Withdrawals:

      Users can make quick cash withdrawals at ATMs across India using their LIC Titanium credit cards.

    • EMI Option:

      LIC Titanium credit card holders can convert purchases above a value of Rs. 2500 into EMIs and then make repayments at low interest rates. The conversion to monthly installments can be done by customers at an interest rate of 1.5% per month, which is generally calculated on a monthly reducing balance. When an EMI conversion is done, LIC charges a processing fee of Rs. 150 or 1.5%, whichever is higher. Card holders can convert their high value purchase transactions into monthly installments with terms ranging from 3,6,12 to 24 months.

    • Loan on a LIC Titanium Credit Card:

      LIC also provides loans on Titanium credit cards with zero documentation and immediate disbursement. Customers can easily repay back the loan taken on their credit cards at low interest rates and varying tenures. The processing fee charged is Rs. 500 or 1.5%, whichever is higher. If a customer pre-closes the loan, then a foreclosure fee of 3% of the outstanding amount is charged.

    • Add-on Cards:

      LIC Titanium credit card customers can get up to three add-on cards for their parents, parents-in-laws, spouse, siblings or children aged above 15 years. The supplementary card applicants have to be Indian residents.

    • Fuel Surcharge Waiver:

      Titanium credit card holders can enjoy a surcharge waiver of 2.5% for fuel transactions done for a value of Rs. 400 and Rs. 4000 at any petrol bunk across India. The maximum waiver amount that customers can get in a month is Rs. 400.

    • Balance Transfer:
      1. Titanium credit card users can save considerably, if they opt to make a balance transfer of the outstanding amount from other bank credit cards to their Titanium credit cards. LIC offers two plans at special interest rates.
      2. 0% Interest Plan - Under this plan, card holders are charged zero interest for the first 3 months of repayment. After the three month period, they will be charged an interest rate of 2.95%. The processing fee that is charged under this plan is Rs. 199 or 2%, whichever is higher.
      3. 0.75% Interest Plan - The second balance transfer plan that customers can choose is with an interest rate of 0.75% for the first three months of repayment. After the three month period, an interest rate of 2.95% will be charged. The processing fee charged for the second plan is Rs. 100 or 1%, whichever is higher.

    Documents required:

    The applicant’s pay slip carrying a gross salary of Rs. 25,000 should be submitted.


    The applicant should furnish a net income of Rs. 3, 00,000 or above, per annum. The LIC Titanium card can be procured at twenty eight cities across India. Other sources of income that can be shown is an LIC annual premium payment of Rs. 30,000.

    Fees & Charges:

    Annual Fee NIL
    Add-on Card Joining Fees / Annual Fees NIL
    Interest-free Credit Period Up to 50 days
    Card replacement Fees Waived off
    Cash withdrawal Fee 2.5% of the cash limit / A minimum of Rs.250.
    Duplicate Statement Fee Waived off
    Dial-an-EMI : Interest rates 1.5% for 3, 6, 12 and 24 months Processing fee - 1.5% or Rs. 150,whichever is higher
    Emergency card replacement charges, while abroad. According to VISA Global Customer Assistance Services
    Cheque return / dishonor Fee Rs. 300
    Copy Request Fee / Charge slip Retrieval Fee Waived off
    Copy Request Fee Waived off
    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.

    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 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 aLIC 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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