IDBI Eclat Credit Card Review
Rewards card with lounge access
The IDBI Eclat is lifetime free (no joining or annual fee). It earns 1% back on regular spends and up to 2% on Insurance, with 8 domestic airport lounge visits a year. Best for: value seekers wanting free lounge access and insurance — our verdict: recommended.
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The IDBI Eclat is a standout free card combining a 4-point base (about 1% value), 8 domestic lounge visits and bundled insurance at no annual cost. The absence of milestones and a high 3.5% forex markup are its main limits, but for a zero-fee card the lounge and earn package is generous.
Rewards card with lounge access
The Bottom Line
The IDBI Eclat is built for free card seeker and insurance payer. With no annual fee, it offers 2% rewards on insurance and 1,500 bonus points. It makes the most sense if your spending matches free card seeker and insurance payer.
It earns a base reward rate of 1% and stacks best when your spending lines up with Free Card Seeker, Insurance Payer.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers wanting a no-fee card that still delivers 8 domestic lounge visits, insurance cover and a 1% effective base rate
Those paying insurance premiums by card, earning a doubled 8 Delight Points per Rs 100
Probably not for
SkipOverseas spenders, given the 3.5% forex markup and no international lounge access
Spenders who want bonus rewards at spend thresholds, which this card does not offer
Is It Worth It For You?
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Reward Rates
IDBI Eclat offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
1,500 Delight Points welcome bonus on spending Rs. 10,000 within 60 days of card issuance.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Available to LIC policyholders, LIC agents and employees of LIC and its subsidiaries/associates; lifetime free RuPay Select card.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDBI Bank website.
Apply on IDBI Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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