IDBI Bank LIC CSL Co-branded Eclat Select Credit Card

IDBI Bank · Lifetime free

A no-fee RuPay card co-branded with LIC Cards Services.

What the bank says

• No joining, annual or renewal fee
• 4 Delight Points for every ₹100 spent
• 500 bonus points on activation and 1,000 on a first spend of ₹5,000
• Bonus points at ₹2 lakh and ₹4 lakh of annual spend
• ₹10 lakh accidental death and disability cover
• 1% fuel surcharge waiver, up to ₹500 a month

Things that catch people out

• IDBI Bank states no rupee value for a Delight Point on this card’s page, so we do not rank it.
• Delight Points are not earned on the transaction categories IDBI Bank exempts.

Joining fee: ₹0. Foreign currency markup: not published.

Read from IDBI Bank’s own page on 2026-09-30.

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