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LIC CSL IDBI Lumine Platinum Credit Card
A lifetime-free RuPay card co-branded by LIC CSL and IDBI Bank, earning 3 Delight Points per ₹100 on everyday spends plus welcome and annual-spend milestone bonus points.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.75%
Card network
RuPay
Card tier
Entry
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 & benefits
- Rewards rate: 0.75% base rate
- Insurance benefits: Personal accidental death cover of ₹2 lakh, plus Credit Shield Cover
Benefits by category
- 🛡️ Insurance
Personal accidental death cover of ₹2 lakh, plus Credit Shield Cover
- ⛽ Fuel
1% fuel surcharge waiver (max ₹300/month) on ₹400-₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400–₹4,000 transactions
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 500 Delight Points on activation + 500 points on first transaction of ₹2,000+ within 30 days; milestones 1,000 pts at ₹1L and 1,500 pts at ₹2L annual spend
- Personal accidental death cover of ₹2 lakh, plus Credit Shield Cover
- 1% fuel surcharge waiver (max ₹300/month) on ₹400-₹4,000 transactions
Pros
- + Lifetime free — zero joining/annual fee
- + ₹2 lakh personal accidental death cover included
- + Milestone bonus points at ₹1L and ₹2L annual spend
Cons
- − Low base reward rate
- − No lounge access
- − Best suited to existing LIC policyholders