LIC Select IDFC FIRST Credit Card

IDFC FIRST Bank · Lifetime free

A lifetime free card earning 1% on most spends, and 2% on LIC premiums.

Base rate: 1% as Reward Point.

What the bank says

• Lifetime free
• 10X points on LIC premiums
• 5X points (1%) on other spends
• Zero foreign currency markup
• 2 domestic lounge visits a quarter

Where it pays more

• 2% on LIC premiums paid at licindia.in (10X points)
• 1% on groceries and bills (5X points), up to 600 points a month

Things that catch people out

• We assume your insurance premium is paid to LIC on licindia.in. Other insurers earn nothing.
• No points on fuel, rent, EMI or cash withdrawals.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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