IDBI LIC CSL Eclat Select Credit Card: Fees, Rewards & Benefits
Rewards card with lounge access
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The IDBI LIC CSL Eclat Select is a free co-branded card best suited to LIC policyholders, who earn a doubled 8 Delight Points per Rs 100 on LIC premiums atop a solid 4-point base and 8 domestic lounge visits. Without LIC spends and given the 3.5% forex markup, its appeal narrows to the bundled lounge and insurance perks.
Rewards card with lounge access
The Bottom Line
The IDBI LIC CSL Eclat Select is built for lic policyholder and free card seeker. With no annual fee, it offers 2% rewards on lic (insurance) and 1,500 bonus points. It makes the most sense if your spending matches lic policyholder and free card seeker.
It earns a base reward rate of 1% and stacks best when your spending lines up with LIC Policyholder, Free Card Seeker.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHolders of LIC policies who pay premiums by card and earn a doubled 8 Delight Points per Rs 100 on LIC spends
Users wanting a no-fee card with 8 domestic lounge visits and bundled insurance
Probably not for
SkipThose without LIC premiums, who miss the card's headline accelerated earning
Overseas spenders, given the 3.5% forex markup and no international lounge access
Is It Worth It For You?
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Reward Rates
IDBI LIC CSL Eclat Select offers 1% basic reward rate.
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Welcome Offer
1,500 Delight Points on cumulative spends of Rs.10,000 within 60 days of card issuance.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Exclusively for LIC policyholders, LIC agents, and LIC India employees; lifetime free co-branded RuPay Select card issued by IDBI Bank.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash withdrawals do not earn reward points. Cash advance fee of 2.5% or Rs.500, whichever is higher.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDBI Bank website.
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