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IDBI LIC CSL Eclat Select Credit Card Review

Rewards card with lounge access

The IDBI LIC CSL Eclat Select is lifetime free (no joining or annual fee). It earns 1% back on regular spends and up to 2% on lic, with 8 domestic airport lounge visits a year. Best for: lic policyholders wanting a free rewards card — our verdict: recommended.

Vyaya Team · Aug 2026
5 min read
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Value Score
8.0 / 10
Annual Fee
₹0
Best For
LIC Policyholder, Free Card Seeker
Network
RuPay
Expert Verdict

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.

IDBI LIC CSL Eclat Select credit card by IDBI Bank - RuPay network
REWARD SUMMARY
1% Base Rewards
Rewards card with lounge access
← Tap to flip back

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.

What we like
+Zero joining and zero annual fee with a high base earn of 4 Delight Points per Rs 100
+Double points on LIC insurance spends at 8 Delight Points per Rs 100 (2x the base)
+8 complimentary domestic airport lounge visits via the RuPay network despite being a free entry card
+1% fuel surcharge waiver on Rs 400-Rs 5,000 transactions capped at Rs 500/month, plus EMI conversion at zero processing/foreclosure fees and 13% flat interest
+Rs 10 lakh accidental death/permanent disability cover and credit shield bundled in
What we don't
–Delight Points are worth only Rs 0.25, so the 4-point base is about 1% effective value
–Accelerated 8-point earning is restricted to LIC insurance specifically, not insurance generally
–No milestone or bonus spend rewards and no international lounge access
–High 3.5% foreign currency markup

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
LIC Policyholder

Holders of LIC policies who pay premiums by card and earn a doubled 8 Delight Points per Rs 100 on LIC spends

+
Free Card Seeker

Users wanting a no-fee card with 8 domestic lounge visits and bundled insurance

Probably not for

Skip
–
Non-LIC Customer

Those without LIC premiums, who miss the card's headline accelerated earning

–
International Traveller

Overseas spenders, given the 3.5% forex markup and no international lounge access

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

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Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
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Online & Shopping
0₹8,000Max ₹80k
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Groceries
0₹6,000Max ₹40k
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Annual rewards₹0
Welcome bonus (Year 1)+₹375
Annual feeFREE
Net Value (Year 1)+₹375
Net Value (Year 2+)+₹0

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Reward Rates

IDBI LIC CSL Eclat Select offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
LIC (Insurance)
2%

Welcome Offer

1,500 Delight Points

1,500 Delight Points on cumulative spends of Rs.10,000 within 60 days of card issuance.

Value: ₹375

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

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

7 data-backed answers from our card database

What is the annual fee of the IDBI LIC CSL Eclat Select credit card?+

None — the IDBI LIC CSL Eclat Select is lifetime free (no joining or annual fee).

What rewards does the IDBI LIC CSL Eclat Select credit card give?+

It earns 4 Delight Points per ₹100 spent (about 1% back), and up to 2% on lic.

Does the IDBI LIC CSL Eclat Select credit card offer airport lounge access?+

Yes — 8 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the IDBI LIC CSL Eclat Select credit card?+

Minimum annual income of about ₹12 lakh. Exclusively for LIC policyholders, LIC agents, and LIC India employees; lifetime free co-branded RuPay Select card issued by IDBI Bank.

What is the forex markup on the IDBI LIC CSL Eclat Select?+

3.5% + GST on international transactions.

What is the welcome benefit on the IDBI LIC CSL Eclat Select?+

1,500 Delight Points on cumulative spends of Rs.10,000 within 60 days of card issuance.

Is the IDBI LIC CSL Eclat Select credit card worth it?+

The IDBI LIC CSL Eclat Select is lifetime free (no joining or annual fee). It earns 1% back on regular spends and up to 2% on lic, with 8 domestic airport lounge visits a year. Best for: lic policyholders wanting a free rewards card — our verdict: recommended.

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