Joining Fee
Lifetime Free
Annual Fee
Free
Best Suited For
LIC Insurance Premium Payments, Travel Airport Lounge Access & High Accident Insurance Cover
Rewards Type
Reward Points
Rewards Rate
2 Reward Points per ₹100 on LIC premium payments & international spends; 1 Reward Point per ₹100 on other spends
Welcome Benefits
Zero joining fee + complimentary insurance shields worth up to ₹1 Crore
Card Details +
Key Advantages
- ✓ 100% Lifetime Free credit card with zero joining and annual fees
- ✓ 2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions
- ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
- ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
- ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh
Limitations
- ✕ High net income eligibility threshold (₹15 Lakh per annum)
- ✕ No welcome bonus or milestone reward points structure included
- ✕ Fuel purchases, wallet reloads, and EMI transactions are excluded from reward points accrual