IDFCIDFC FIRSTLIC Classic

LIC Classic Credit Card

IDFC FIRST Bank · with LIC · Rewards

Fee waiver

No annual fee, so nothing to waive.

9 September 2026Better for you
Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.
Source
18 June 2026Worse for you
Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.
Source

Compare with other cards Card EMI or personal loan? Cost of paying only the minimum

6X points on LIC premiums paid on licindia.in
No points on non-LIC insurance
3X points on groceries, utilities, railways, FASTag and education (max 300 points a month)
3X points on other spends

No rewards on fuel, rent.

Spend ₹20,000 in a calendar month to unlock access the next month

Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 3 years.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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