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IDBI Bank
LIC CSL IDBI Eclat Select Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Benefits by category
- 🛡️ Insurance
Personal accidental death cover and Credit Shield Cover
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1,500 welcome bonus Delight Points on ₹10,000 spend within 60 days
- 2X reward points when paying LIC renewal premiums
- Personal accidental death cover and Credit Shield Cover
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions
Pros
- + Lifetime free — zero joining/annual fee
- + Higher base reward rate than the Lumine variant
- + 2X points on LIC premium payments
Cons
- − No lounge access
- − Reward point redemption value modest at ₹0.25/point
- − Best suited to existing LIC policyholders