Make LIC and IDBI Bank Lumin and Eclat credit cards for free, know in detail the benefits. Co-Branded Rupay Credit Card

 

By the way, whatever be the credit card, I always give benefits to the customer, but this credit card issued by LIC and IDBI Bank is very special and unique, in this many important things have been added to make the customer happy. Get to know the facility in detail.

This credit card of LIC and IDBI Bank gives many attractive benefits to the customers. 'Lumine' Platinum Credit Card and Eclat' Select Credit Card cardholders can avail best-in-class credit limits to suit their lifestyle.

If you have taken a policy from LIC of India, then you can get a great credit card made for free. Recently, LIC CSL in association with IDBI Bank has issued two co-branded Rupay Credit Cards - 'Lumin' and 'Eclat'. This credit card can be made by the LIC policyholder of LIC for free. Credit cards come with a validity of four years. With this, if you make LIC premium payment, then you will get 2 times reward points. Apart from this, there are many benefits on this credit card. Let us know about this card in detail.

Who has issued the credit card?

LIC Cards Services Limited (LIC CSL), a subsidiary of LIC, and IDBI Bank have partnered to launch two variants of co-branded RuPay credit cards. These are- LIC CSL 'Lumin' Platinum Credit Card and LIC CSL 'Eclat' Select Credit Card. Both these cards are operated by IDBI Bank.

To whom will this credit card be issued?

These cards are initially being issued keeping in mind the LIC policyholders, LIC agents and employees of LIC and its subsidiaries/associates. Meaning if you have LIC policy or you are agent of LIC then you will get this credit card. Later this card can also be issued to the general public.

 What are the benefits of credit card?

This credit card of LIC and IDBI Bank gives many attractive benefits to the customers. 'Lumin' and 'Eclat' cardholders can avail best-in-class credit limits to suit their lifestyle.

 Lumin cardholders will earn 3 Delight Points for every Rs 100 spend, while the Eclat card will earn 4 Delight Points. Cardholders will get a special benefit of two times reward points if they pay renewal of LIC's insurance premium with this. That means six or eight reward points for every Rs 100.

 What is the card joining and annual free?

The joining fee for 'Lumin' and 'Eclat' credit cards of LIC and IDBI is kept NIL. Meaning, customers will not have to pay any fee or charge to get it made. Also, the annual fee for these cards is also NIL. Meaning it will be renewed for the next year without paying any kind of fee.

After getting the card made for myself, can I add any other family member to it?

In Credit Add on Card facility is there. Suppose if you get a credit card made in your name, then you can get maximum two add on cards for your life partner and your children. You will not have to pay any fee for this also.

Welcome Bonus Points to the Card

Yes, LIC and IDBI 'Lumin' and 'Eclat' cardholders will earn 1000 and 1500 Welcome Bonus Delight Points respectively on spending Rs 10,000 within 60 days from the date of issue of the card. This point can be redeemed for various lifestyle or other benefits.

Is the card also getting free insurance coverage?

These credit cards come with the benefits of attractive insurance coverage including accident insurance cover, personal accident/permanent disability cover, credit shield cover and zero lost card liability. But you have to keep in mind that the benefit of insurance will be available only if you make any use of the card within a period of 90 days from the date of insurance claim.

Will get exemption from fuel surcharge on filling petrol diesel?

The card offers a one percent fuel surcharge waiver on transactions of at least Rs 400 and above. Along with this benefit, both the cards also allow users to convert transactions above Rs 3,000 into EMI. There is no processing fee and no foreclosure charges. They can opt for EMI tenure of 3, 6, 9 or 12 months as per their requirement.

Will the facility of airport lounge also be in the card?

LIC IDBI Eclat card holders will also get complimentary lounge access at domestic and international airports. This facility is readily available. Therefore, the instructions of the company are that the website of the bank can be visited for the list of airports and other information.

what did we go today

Today we learned how to make this credit card of LIC and IDBI Bank for free, and know in detail about the benefits received in it. If you liked this information, then do let us know in the comments.