LIC CSL IDBI Eclat Select Credit Card

The higher-reward-rate sibling of the LIC CSL IDBI Lumine card, earning 4 points per ₹100 spent — still lifetime free and aimed at LIC policyholders.

Annual fee

₹0

Joining fee

₹0

Reward type

points

Base reward rate

Card network

RuPay

Card tier

Mid

Who this card fits

Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.

Rewards rate: 1% base rate
Domestic lounge access: Complimentary domestic airport lounge access via RuPay (visit count not specified on official page)
Insurance benefits: ₹25 lakh air accident cover, personal accidental death cover and Credit Shield Cover

✈️ Travel
Complimentary domestic airport lounge access via RuPay (quarterly)
🛡️ Insurance
₹25 lakh air accident cover, personal accidental death cover and Credit Shield Cover
⛽ Fuel
1% fuel surcharge waiver (max ₹500/month) on ₹400-₹5,000 transactions
🌍 Forex / international spend
3.5% forex markup on international transactions

Foreign currency markup: 3.5%
Fuel surcharge waiver: 1% fuel surcharge waiver (max ₹500/month) on transactions between ₹400 and ₹5,000
Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST

500 Delight Points on activation + 1,000 points on first transaction of ₹5,000+ within 30 days; milestones 1,500 pts at ₹2L and 2,000 pts at ₹4L annual spend
Complimentary domestic airport lounge access via RuPay (quarterly)
₹25 lakh air accident cover, personal accidental death cover and Credit Shield Cover
1% fuel surcharge waiver (max ₹500/month) on ₹400-₹5,000 transactions

Best for