IDFC FIRST LIC Select Credit Card

This card offers 10X reward points on LIC insurance premium payments, 5X rewards on groceries, utilities, railways, FASTag, education, and government spends, and 5X on all other purchases, helping consumers earn across everyday spending categories.

Reward points can be redeemed at a value of 1 point = Rs. 0.25. Points can be accumulated and used for various redemptions.

Cardholders get up to 20% bonus reward points on hotel bookings and 10% on flight bookings via the IDFC FIRST Bank mobile app. It also includes 8 free domestic airport lounge visits annually for frequent travellers.

Yes, the card offers 8 complimentary domestic airport lounge visits per year. Additionally, users can get railway lounge access benefits, subject to spending conditions, making it useful for frequent travellers across India.

Yes, new cardholders receive 2,000 reward points after spending Rs. 10,000 within the first 30 days of card activation. This makes the initial usage more rewarding for users starting their credit journey.

This is a lifetime free credit card with no joining or annual fees. However, finance charges can go up to 8.5% per month, and late payment fees range from Rs. 100 to Rs. 1,300 depending on the dues.

This card is suitable for beginners and users looking for a lifetime free card with reward benefits on everyday spending. It is especially useful for those who pay LIC premiums and want basic travel and dining perks.