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

    You can avail a world of premium and unmatched benefits with the credit cards offered by LIC. The list of cards includes travel cards, rewards cards, and premium lifestyle cards and they offer some of the best features on their respective categories. Check out the list to choose to the best one for you.

    Top Credit Cards offered by LIC

    The following table lists the top LIC credit cards that you should explore. For your convenience, you can also check out their annual fee and their respective categories.

    Credit card variant Joining fee
    LIC Titanium Credit Card NIL
    LIC Platinum Credit Card NIL
    LIC Signature Credit Card NIL
    LIC Gold EMV Cards NIL
    LIC Platinum EMV Cards NIL
    More
    We found 4 LIC Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    What you'll love
    Documents
    Think about
    Fee Details
    What you'll love
    Documents
    Think about
    Fee Details
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details

    An LIC credit card brings customers into a world of exceptional privileges and unbeatable benefits. Starting from complimentary insurance, rewards program, add-on cards, MasterCard and Visa privileges, fuel surcharge waiver and a LIC credit card carries all the requirements to help customers make hassle-free purchases.

    An LIC credit card offers a plethora of privileges ranging from lifestyle, travel, dining, shopping, entertainment and health. Additionally, card holders can also get complimentary insurance cover for their credit cards and get

    An LIC credit card brings customers into a world of exceptional privileges and unbeatable benefits. Starting from complimentary insurance, rewards program, add-on cards, MasterCard and Visa privileges, fuel surcharge waiver and a LIC credit card carries all the requirements to help customers make hassle-free purchases.

    An LIC credit card offers a plethora of privileges ranging from lifestyle, travel, dining, shopping, entertainment and health. Additionally, card holders can also get complimentary insurance cover for their credit cards and get rewarded with an exceptional loyalty program.

    Features of LIC Credit Cards

    • Fuel surcharge waiver: Get 1% fuel surcharge waiver at fuel pumps in the country (transactions between Rs.400 and Rs.4000.
    • Easy EMI conversion: Any purchase transaction above a value of Rs.2500 can be converted into a monthly installment and repaid at low interest rates. Customers have to place this request within 20 days of making the purchase.
    • Balance transfer: LIC customers can easily transfer the outstanding balance from another bank's credit card to an LIC credit card. LIC offers attractive interest rates for a balance transfer and customers can choose from two plans that are available.
    • Add-on cards: Up to three add-on cards can be taken by primary credit card holders for their family inclusive of spouse, parents, parents-in-laws, siblings and children below the age of 15.
    • Insurance: Signature credit card users can enjoy complimentary lost card liability insurance for an amount up to their credit limit, up to a maximum of Rs.5, 00, 000. This lost card liability cover protects card users against any fraudulent transactions when their credit cards have been lost or stolen.

    Features & Benefits of Top LIC Credit Cards

    LIC Titanium Credit Card

    • With LIC Titanium Credit Card earn 2 reward points every time you spend Rs.100 on LIC premium payments and on foreign currency.
    • Get 1 reward point on every Rs.100 you spend on all other categories except fuel, EMI transactions, and wallet load.
    • The card comes with complimentary lost card liability insurance cover.
    • Avail 1% fuel charge waiver at all fuel pumps across the country.

    LIC Platinum Credit Card

    • Get personal accident cover of Rs.3 lakh and air accidental insurance of Rs.1 crore with LIC Platinum Credit Card.
    • Earn 2 reward points for every Rs.100 spent on LIC premium payments and on foreign currency.
    • Get 1 reward point on every Rs.100 you spend on all categories except EMI transactions, wallet load and fuel.
    • 1% fuel surcharge waiver for transactions between Rs.400 and Rs.4,000.

    LIC Signature Credit Card

    • With LIC Signature Credit Card enjoy complimentary access to select airport lounges within the country.
    • 1% fuel surcharge waiver across all fuel pumps in India.
    • Complimentary lost card liability insurance cover.
    • Get personal accident cover of Rs.5 lakh and air accidental insurance of Rs.1 crore.
    • The card comes with purchase protection cover.
    • Earn 2 reward points for every Rs.100 spent on LIC premium payments and on foreign currency and 1 reward point on every Rs.100 you spend on all other categories except fuel, wallet load, and EMI transactions.

    LIC Gold EMV Credit Card

    • Earn 1 reward point for every time you spend Rs.150 using LIC Gold EMV Credit Card.
    • Cash withdrawal allowed up to 10% of the credit limit.
    • No joining, annual and renewal fees.
    • Three add-on cards can be availed.
    • Personal accident insurance of Rs.1 lakh.

    LIC Platinum EMV Credit Card

    • Earn 1 reward point for every Rs.150 you spend using LIC Platinum EMV Credit Card.
    • Interest free credit period ranges between 15 to 45 days
    • There is no joining, annual and renewal fees for the card
    • Comes with personal accident insurance and purchase protection

    Eligibility Criteria and Documents Required for LIC Credit Cards

    Credit card variant Documents Required Eligibility (net income p.a.)
    LIC Titanium Credit Card
    • Salary slip of Rs.25,000
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.3 lakh or more
    LIC Platinum Credit Card
    • Salary slip of Rs.42,000
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.5 lakh or more
    LIC Signature Credit Card
    • Salary slip of Rs.1.25 lakh
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.15 lakh or more
    LIC Gold EMV Credit Card
    • Last 3 months’ salary slip
    • Income tax return
    • Address proof
    • ID proof
    Rs.1.8 lakh or more
    LIC Platinum EMV Credit Card
    • Last 3 months’ salary slip
    • Income tax return
    • Address proof
    • ID proof
    Rs.3 lakh or more

    How to Apply for LIC Credit Cards

    You can apply for a credit card for LIC in different ways. They are:

    By visiting the LIC office

    • You can avail a LIC credit card by visiting the LIC office. You need to fill up the application form, submit the required documents and follow the process mentioned by the official.

    Applying online

    • Another way to apply for a LIC credit card is through the official website. You need to enter the details like name, email, address and submit the application.

    How to Check LIC Credit Cards Status

    There are two ways through which you can check LIC credit cards application status. They are – by calling the customer card cell or by visiting a branch office. To check the status by reaching out to the customer care executives, you need to call at the toll-free number 1800 22 6606 and provide the application number. On doing so, the person will update the status of the application. In case, you are visiting a branch office, you will get to know the status of the application on providing the application number provided at the time of application.

    Bill Payments on LIC Credit Cards

    Credit card bill payments for LIC credit cards can be made either online or offline. Online payment of credit card bills can be made using different channels like LIC cards website, axis mobile application, online payment from other bank account, visa money transfer or NEFT. In case, offline methods is selected, you need to make the payment through cash or cheque.

    LIC Credit Card Customer Care

    LIC credit card users can contact the LIC credit card customer care for any unresolved query via call, email and SMS. Here are the details:

    rewarded with an exceptional loyalty program.

    Features of LIC Credit Cards

    • Fuel surcharge waiver: Get 1% fuel surcharge waiver at fuel pumps in the country (transactions between Rs.400 and Rs.4000.
    • Easy EMI conversion: Any purchase transaction above a value of Rs.2500 can be converted into a monthly installment and repaid at low interest rates. Customers have to place this request within 20 days of making the purchase.
    • Balance transfer: LIC customers can easily transfer the outstanding balance from another bank's credit card to an LIC credit card. LIC offers attractive interest rates for a balance transfer and customers can choose from two plans that are available.
    • Add-on cards: Up to three add-on cards can be taken by primary credit card holders for their family inclusive of spouse, parents, parents-in-laws, siblings and children below the age of 15.
    • Insurance: Signature credit card users can enjoy complimentary lost card liability insurance for an amount up to their credit limit, up to a maximum of Rs.5, 00, 000. This lost card liability cover protects card users against any fraudulent transactions when their credit cards have been lost or stolen.

    Features & Benefits of Top LIC Credit Cards

    LIC Titanium Credit Card

    • With LIC Titanium Credit Card earn 2 reward points every time you spend Rs.100 on LIC premium payments and on foreign currency.
    • Get 1 reward point on every Rs.100 you spend on all other categories except fuel, EMI transactions, and wallet load.
    • The card comes with complimentary lost card liability insurance cover.
    • Avail 1% fuel charge waiver at all fuel pumps across the country.

    LIC Platinum Credit Card

    • Get personal accident cover of Rs.3 lakh and air accidental insurance of Rs.1 crore with LIC Platinum Credit Card.
    • Earn 2 reward points for every Rs.100 spent on LIC premium payments and on foreign currency.
    • Get 1 reward point on every Rs.100 you spend on all categories except EMI transactions, wallet load and fuel.
    • 1% fuel surcharge waiver for transactions between Rs.400 and Rs.4,000.

    LIC Signature Credit Card

    • With LIC Signature Credit Card enjoy complimentary access to select airport lounges within the country.
    • 1% fuel surcharge waiver across all fuel pumps in India.
    • Complimentary lost card liability insurance cover.
    • Get personal accident cover of Rs.5 lakh and air accidental insurance of Rs.1 crore.
    • The card comes with purchase protection cover.
    • Earn 2 reward points for every Rs.100 spent on LIC premium payments and on foreign currency and 1 reward point on every Rs.100 you spend on all other categories except fuel, wallet load, and EMI transactions.

    LIC Gold EMV Credit Card

    • Earn 1 reward point for every time you spend Rs.150 using LIC Gold EMV Credit Card.
    • Cash withdrawal allowed up to 10% of the credit limit.
    • No joining, annual and renewal fees.
    • Three add-on cards can be availed.
    • Personal accident insurance of Rs.1 lakh.

    LIC Platinum EMV Credit Card

    • Earn 1 reward point for every Rs.150 you spend using LIC Platinum EMV Credit Card.
    • Interest free credit period ranges between 15 to 45 days
    • There is no joining, annual and renewal fees for the card
    • Comes with personal accident insurance and purchase protection

    Eligibility Criteria and Documents Required for LIC Credit Cards

    Credit card variant Documents Required Eligibility (net income p.a.)
    LIC Titanium Credit Card
    • Salary slip of Rs.25,000
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.3 lakh or more
    LIC Platinum Credit Card
    • Salary slip of Rs.42,000
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.5 lakh or more
    LIC Signature Credit Card
    • Salary slip of Rs.1.25 lakh
    • Address proof
    • ID proof
    • Colour photograph
    • Copy of PAN
    Rs.15 lakh or more
    LIC Gold EMV Credit Card
    • Last 3 months’ salary slip
    • Income tax return
    • Address proof
    • ID proof
    Rs.1.8 lakh or more
    LIC Platinum EMV Credit Card
    • Last 3 months’ salary slip
    • Income tax return
    • Address proof
    • ID proof
    Rs.3 lakh or more

    How to Apply for LIC Credit Cards

    You can apply for a credit card for LIC in different ways. They are:

    By visiting the LIC office

    • You can avail a LIC credit card by visiting the LIC office. You need to fill up the application form, submit the required documents and follow the process mentioned by the official.

    Applying online

    • Another way to apply for a LIC credit card is through the official website. You need to enter the details like name, email, address and submit the application.

    How to Check LIC Credit Cards Status

    There are two ways through which you can check LIC credit cards application status. They are – by calling the customer card cell or by visiting a branch office. To check the status by reaching out to the customer care executives, you need to call at the toll-free number 1800 22 6606 and provide the application number. On doing so, the person will update the status of the application. In case, you are visiting a branch office, you will get to know the status of the application on providing the application number provided at the time of application.

    Bill Payments on LIC Credit Cards

    Credit card bill payments for LIC credit cards can be made either online or offline. Online payment of credit card bills can be made using different channels like LIC cards website, axis mobile application, online payment from other bank account, visa money transfer or NEFT. In case, offline methods is selected, you need to make the payment through cash or cheque.

    LIC Credit Card Customer Care

    LIC credit card users can contact the LIC credit card customer care for any unresolved query via call, email and SMS. Here are the details:

    FAQs on LIC Credit Cards

    1. If have an LIC policy and don’t live in India, can I get an LIC credit card?

      No, you have to be a resident of India to get an LIC credit card.

    2. Am I allowed to apply for an LIC credit card if I do not have an LIC policy?

      LIC credit cards are only issued to LIC policy holders and to LIC agents. So, if you want to get an LIC credit card, you need to have an LIC policy.

    3. Am I allowed to increase my credit limit on an LIC credit card?

      If you want to spend more than the amount of your credit limit, you can always increase your credit card’s limit by 30% of the credit limit.

    4. When can I get LIC credit card statement?

      You will get your LIC credit card statement by the end of your billing cycle. You will have to make the payment within 15 to 20 days of your statement being generated.

    5. Is it necessary to have LIC policy in my name to avail LIC Gold or platinum EMV cards?

      Yes, you must have at least one in-force or fully paid up non-single premium LIC policy in your name which has completed at least three years till the date of application.

    News on LIC Credit Card

    • LIC in association of IDBI launch Rupay credit card

      LIC has launched the Rupay credit card in association with IDBI Bank for all its agents, members and policyholders. Named Lumine card and Eclat cards credit card, the credit cards offer a variety of benefits to the holders. While the LIC CSL Lumin Platinum Credit Card is the first, and the LIC CSL Eclat Select Credit Card is the second. The benefits include a generous credit limit, welcome bonus points, receiving double reward points for paying LIC premium using the card, converting transactions into easy EMIs, etc. The cards are covered by accident insurance and allow you to order two more add-on cards for your family members without any additional fees.

      22 January 2022
      

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    LIC Credit Cards Reviews

    • LIC Cards
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Since i am an government employee they have provided me with LIC credit card which life time free card. My credit was about 75 thousand. I have not provided any documents to apply this card. Since its a government based credit card i am not getting any offers but its easy to use.
      Was this review helpful? 4
      , chennai
      Reviewed on Jul 13, 2019
    • LIC Cards
      LIC Cards
      "Better card"
      0.5 4.0/5 "Great!"
      I have selected LIC credit card using past 6 year ago .Its is life time free credit card and sufficient is limit is provide from banker end , customer service is good and responsive. While transaction i received rewards point that to be covert to redeem aft i received like iron box.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 09, 2019
    • LIC Cards
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am using LIC credit card , this is one of the best card i ever have . Benefits were great with this card . Statements are clear and there is no hidden charges with this card but i have not found any offers with this card till date . Customer service is helpful and payment mode is easy .
      Was this review helpful? 4
      , mumbai
      Reviewed on May 27, 2019
    • LIC Cards
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      I hold a Credit card given by LIC and the services are average here. I also hold other bank cards, and when compared to other banks LIC i would say they are improving in their services. Its a free life time card with no annual charges. It is a good to go card.
      Was this review helpful? 5
      , mumbai
      Reviewed on Jan 19, 2019
    • LIC Cards
      "Good card"
      0.5 4.0/5 "Great!"
      This we can say that people who are having the account with axis bank they also provide lic card , they are very new to the market they do not have online banking facility also but they are really good at their customer service, really good in giving good rewards benefit to the customers.
      Was this review helpful? 5
      , hyderabad
      Reviewed on Aug 27, 2018
    • LIC Cards
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Initially I have started using the AXIS BANK LIC Credit card for more than 4 years. The customer support service is good with the Axis bank. The credit limit value is good with this AXIS BANK LIC Credit card and I am satisfied with it. The benefits are average here. This card is used for fuel, shopping, online purchases and etc.
      Was this review helpful? 6
      , hyderabad
      Reviewed on Mar 21, 2018
    • LIC Cards
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a platinum credit card with LIC the service was excellent offers are good and the credit limit was 5k which was very good compare to other credit cards in the market and the customer service was good it was awesome service from LIC for my credit card service.
      Was this review helpful? 2
      , amravati
      Reviewed on Nov 06, 2017
    • LIC Cards
      "Very Flexible"
      0.5 5.0/5 "Blown Away!"
      I have free credit card with LIC. This are very much flexible. Even I have good credit limit on my card. I am getting reward points and cash back offers. I never faced any challenges with the card all these years. It is very much convenient for me to use this card.
      Was this review helpful? 4
      , mumbai
      Reviewed on Jul 03, 2017
    • LIC Cards
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using LIC credit card for about past 3 years. I am happy with the credit limit they have provided 45000 rupees. They also provide good offers with this card. It is good to do purchase products through online and normal one and I do the payment via AXIS Bank.
      Was this review helpful? 5
      , solapur
      Reviewed on May 29, 2017
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