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IDBI Bank Lumine Platinum Credit Card – Features, Fees & Charges

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Updated: 13-09-2025 12:16:19 PM

IDBI Lumine Platinum Credit Card is a co-branded RuPay credit card sourced by LIC Cards Services Limited. This card focuses on health, entertainment, travel, and accelerated reward points. 

*Only policyholders, agents, employees of LIC India, and employees of LIC subsidiaries will be able to apply for this credit card.

Key Features of IDBI Lumine Platinum Credit Card
Joining/Annual Fee NIL
Rewards 3 Delight Points on every Rs.100 spent
Welcome Gift 1000 Delight Points

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the IDBI Bank website.

Features and Benefits of IDBI Bank Lumine Credit Card
Fees and Charges
Eligibility Criteria
Similar Credit Card
Features and Benefits of IDBI Bank Lumine Credit Card

Reward Points: With every Rs.100 spent on the Lumine Credit Card, cardholders will get 3 Delight Points.

  • Delight Points are valid for 4 years from the date of issue
  • Varied categories such as travel, shopping, dine-out, and movies are eligible for earning rewards points
  • When a customer pays for the renewal or premium of a LIC insurance policy, he/she will earn 2x reward points

Welcome Gift: 1000 Delight Points can be earned on spending Rs.10,000 within 60 days from the date of card issuance. 

Easy EMI: Transactions of or above Rs.3,000 can be converted into easy EMIs without any processing fee or foreclosure charges. Cardholders can choose their EMI tenure options of 3, 6, 9 or 12 months as per their requirement.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions of or above Rs.400. A maximum waiver of Rs.300 per month can be availed.

Other Benefits of IDBI Bank Lumine Platinum Credit Card

Interest-Free Credit: Enjoy Interest-free credit of up to 48 days* on your purchases and manage your payments at your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.

Insurance Covers: Co-branded Lumine Platinum Credit Card provides Personal Accidental Death Insurance cover of Rs.2 lakhs & Credit Shield Cover.

Fees and Charges
Particulars Fee/Charge
Joining Fee NIL
Annual Fee NIL
Late Payment Charges < = Rs. 500 – Nil
> Rs. 500 to <= Rs. 5000 – Rs. 400
> Rs. 5000 to < = Rs. 10000 – Rs. 500
> Rs. 10000 to < = Rs. 20000 – Rs. 750
> Rs. 20000 – Rs. 950
Interest Charges 3.4% per month

*Click Here for the most important terms and conditions related to fees and charges.

Eligibility Criteria

Initially, IDBI Bank Lumine Platinum Credit Card is targeted to LIC Policyholders, LIC Agents, and Employees of LIC of India and its Subsidiaries/Associates.

How to Apply for IDBI Lumine Platinum Credit Card?

If you are eligible for this credit card, you can apply by:

  1. Calling on the Phone Banking numbers – 
    • Toll-Free: 1800 425 7600
    • Non-Toll Free: 022 4042 6013 (24×7 service)
  2. Visiting the nearest IDBI bank branch
  3. Contact the customer service of IDBI Bank
Similar Credit Card
Credit Cards Annual Fee Key Health & Wellness Benefit Minimum Income Required (p.m.) Base Rewards Rate
YES Bank Wellness Credit Card Rs. 1,999 20 Reward Points per Rs. 200 spent on Chemist/ Pharmaceutical stores and Complimentary annual preventive Health Check-up (25 parameters) Rs. 25,000 2%
YES Bank Wellness Plus Credit Card Rs. 2,999 30 Reward Points per Rs. 200 spent on Chemist/ Pharmaceutical stores and Complimentary annual preventive Health Check-up (31 parameters) Rs. 25,000 3%
Axis Bank Aura Credit Card Rs. 749 4 video doctor consultations free per month via Practo and Rs. 750 worth Decathlon voucher as a welcome gift Contact the bank* 1%
Apollo SBI Credit Card Rs. 499 3X Reward Points on every Rs. 100 spent on all Apollo services and complimentary Apollo Silver Tier Membership Contact the bank* 1%
RBL Bank Practo Plus Credit Card Rs. 2,000 Unlimited online consultations and 1 Practo HealthCash on every Rs. 100 spent Contact the bank* 1%

*The minimum income required for these credit cards will be communicated at the time of sourcing. Kindly contact your bank after successfully submitting your credit card application.

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